vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over XXXX  days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within XXXX  days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and Transunion data breach, which makes me worry about my personal data 's security.

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 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX trying to collect {$3800.00} for a account I have never had or ever heard of. they say it was for some kind of paypal card and it was going to a address in XXXX XXXX I have never lived in XXXX. They have been calling and sending mail asking for payment. And now its showing up on my credit.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Equifax Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law. 
Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ).

Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Federal Adjustment Bureau, Inc.
State: WV

Complaint narrative:
I am disputing the rental eviction listed on my credit report, which is being reported inaccurately and is the result of identity theft and fraud. I did not authorize the lease or any related financial activity associated with this eviction. This fraudulent record is causing significant harm to my credit and rental opportunities.

Under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S. Code 1681c2 ], credit reporting agencies are required to block and remove fraudulent information within 4 business days after receiving a valid identity theft report and supporting documentation. I have provided an official FTC Identity Theft Report and proof of identity in compliance with this federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

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

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00}

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 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
What happened : On XX/XX/XXXX and XX/XX/2025, I was the victim of an emotionally coercive scam totaling {$3000.00}. The scammers contacted me claiming that my brother and his ex-wife were being held against their will and were in immediate danger. They threatened harm to their lives unless I sent money urgently. 

Believing my family was in serious danger, I was manipulated into sending : {$1000.00} on XX/XX/XXXX {$2000.00} on XX/XX/XXXX The funds were sent using XXXX, under intense emotional duress. I was targeted through impersonation and a false emergency. This was not a typical authorized transaction, but a clear case of fraud by deception and psychological coercion. I HAVE AN AUDIO RECORDING OF THE ENTIRE SCAM HAPPENING. 

I immediately reported this to Citibank and XXXX, but they refused to reimburse or investigate beyond the initial denial, claiming the transactions were authorized. I believe this was mishandled and does not align with fair consumer protection standards. 

CITIBANK FRAUD Case 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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
They call daily Now theyre texting for a debt of & XXXX that I was paying and they sent to collection in XXXX  months when they didnt get all their money We told them to stop Calling they didnt. We called to negotiate and they never called back even though they have an amount. 
Now theyre texting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for a loan online {$5000.00}. I received a call saying I was approved for a lesser amount. They gathered addition information. Once that was completed they said they needed to verify that the bank account was truly mine, after they sent the contract for me to sign. I was told it would be a direct deposit into my account, but they needed to do a test amount first, through XXXX I informed them I was having issues with XXXX. I was then put on hold, they came back saying they could do a direct test amount, I agreed thinking it would be like {$1.00} but it was way more, {$520.00} I was told to send it back for verification and I did, but the loan person said it didnt come through, I then took a screen shot to show proof, but the caller sent a second test amount before the received my photo. The second one was for {$450.00} Again I was told it didnt come back through. I was then told that one of the agent could help me because she had an account and I was given her info, by her, she got on the call, because I didnt was to be accused of theft, I did as asked. Once it was all done and funds returned. I was told my loan would be in my account {$4000.00} in 20-30 mins. I waited 45mins before checking. When I did I saw a dispute along with a adjustment total in all for the amount of {$1600.00} including test amount, I then called Navy Federal, explained all that happened and was told a investigation would be preformed, I would get a response within 3-5 business day, I was told I needed to get a new card and another account number. I was told to provide proof of call along with any documents. I did all that I was asked to do, but in less then 24hours I was denied. I called back to my bank to find out why and asked for proof, I was not supplied with the information nor was it explained why a decision was made so soon. I was told because it looked like I filed a dispute for services and the person won. They also never said where the adjustment amount came from, the bank then took what money I did have from me. I then appealed the decision and it took over a month of back-and-forth, then My account was closed and I was told I owe {$1600.00}. I was also told from Navy federal dispute department that the person I spoke to XX/XX/scrub>/2024 didnt type what I told her, she made it look like I was filing a dispute instead of fraud/hacking/ scam. To date this has effected my banking ability along with credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Account Number XXXX Balance : {$310.00} Open Date XXXX XXXX, XXXX XXXX Account number XXXX Balance {$550.00} Open Date XX/XX/XXXX XXXX XXXX  Account number XXXX Balance {$520.00} Open Date XX/XX/XXXX XXXX Account number XXXX Balance {$220.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Account number XXXX Balance {$170.00} Open Date XX/XX/XXXX XXXX Account number XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IL

Complaint narrative:
On XX/XX/XXXX, I called ( XXXX ) XXXX after receiving a notice regarding a different account. During that call, the representative informed me that I was also being sued on another account under case number XXXX in XXXX XXXX, IL. This was the first time I was made aware of that lawsuit. 

They claimed I had already been served, but I was never served or notified of the lawsuit in any way. I did not receive a summons, letter, or any communication. They also claimed I am represented by XXXX XXXX XXXX XXXX, which is false. I ended all contact with that agency over six months ago, and they have never represented me in court. 

I asked for documentation showing when and how I was supposedly served, and I asked them to clarify why they are claiming XXXXXXXX XXXXs represents me. They refused to provide documentation or correct the record. 

They are now attempting to obtain a default judgment against me based on false service and misrepresentation of counsel. The hearing is set for XX/XX/XXXX, at XXXX XXXX in XXXX XXXX ( Courtroom XXXX ), and I am being denied the opportunity to defend myself because they falsely stated that I was served and that I had representation. 

I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ) for false representation and improper legal action without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
Complaint Description : On XX/XX/year>, XXXX withdrew {$250.00} from my bank account, labeling it as an XXXX repayment. However, I had already repaid my XXXX loan in full in XXXX. 

Here is the repayment history : On XX/XX/year>, I paid {$260.00} On XX/XX/year>, I paid {$140.00} These payments covered the funds I received via Instacash between XX/XX/XXXX and XX/XX/XXXX. 

Despite that, on XX/XX/XXXX with no warning, no visible balance due, and no notification XXXX withdrew {$250.00} from my linked bank account. There was no loan agreement active, no repayment plan scheduled, and the app did not show any active XXXX balance at the time. 

When I contacted customer support, I was initially told the withdrawal was related to previous loans but those were already repaid ( as evidenced by my transaction history ). I returned to the support chat with screenshots proving this, and the representative abruptly ended the chat without resolution. 

This is an example of : Unauthorized withdrawal Double-charging for a closed loan Lack of transparency and disclosure Predatory fintech behavior using automation with no human accountability I am requesting : XXXX. A full refund of the {$250.00} taken without justification XXXX. A written explanation of how this was allowed to happen XXXX. Corrective action to prevent this from happening to other users I am attaching screenshots of the repayment history, the XX/XX/XXXX transaction, and the support transcript.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am closely monitoring this situation and expect your response within XXXX days. You are required to confirm and verify that the items listed below are accurately reporting. If you can not verify them with documented proof, DELETE them from my credit report immediately. 

Additionally, send me a hard copy of the actions taken and an updated version of my credit report by mail. 

The claims listed in my credit report appear inaccurate and unverifiable. I demand accurate and fully documented reporting for each item. If you fail to comply, I will pursue legal action. 

The accounts being challenged are : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX This letter also serves as a formal notice regarding your suspected use of automated form letters in response to consumer disputes, regardless of the specific claims submitted. If true, this is a direct violation of 15 U.S. Code 1681i, which requires each dispute to be investigated on its own merit. 

The disputes I submitted were generated using public tools, which does not excuse you from proper reinvestigation. If you refuse to process my letters solely due to formatting or software used, you are intentionally violating my consumer rights. I will not hesitate to involve legal counsel if this matter is not resolved appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief