vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
On XX/XX/XXXX, I opened a checking account with Current XXXX Banking ( banking services provided by XXXX XXXXXXXX XXXX and/or XXXX XXXX XXXX ) under a promotional offer. The terms required that I ( 1 ) sign up using a referral link and ( 2 ) receive qualifying direct deposits totaling at least {$200.00} within 35 days. 

I fulfilled all requirements. My qualifying direct deposits included : {$140.00} XXXX payroll direct deposit on XXXX {$150.00} XXXX payroll direct deposit on XX/XX/XXXX {$320.00} XXXX payroll direct deposit on XXXX These deposits were within the required timeframe and exceed the minimum promotional threshold. I also signed up using a valid referral link, and I have screenshots of the promotional terms, the referral link, and the signup confirmation page. 

Despite meeting all stated requirements, the promotional credit has not been issued. I am seeking assistance to have the company honor the promotion as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I have no ties whatsoever to these accounts ; they must be deleted in 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had a payment I was not aware of on my care credit card that was due XXXX. I did not receive a paper statement and incurred a late fee. I paid the full balance minus the late fee on XXXX when I became aware of the charge. Today I requested a courtesy XXXX time fee removal for the {$29.00} late fee and the {$2.00} interest charge. They waived the late fee but stated they could not remove the XXXX dollar interest charge. ( The late fee was waived when I called in today, XX/XX/XXXX, when I realized that I still had a balance despite paying off the XXXX statement balance in full ( XXXX statement with XXXX due date ) ). 

A new statement with the {$29.00} late fee and no interest charge was generated on XX/XX/XXXX with a due date of XX/XX/XXXX for {$29.00}. There was no interest charge on that statement and I again did not receive a statement. The {$2.00} interest charge appeared on the XXXX statement with a due date in XXXX ( this statement, which is attached, has both the late fee and interest charge on it. I again have not received a paper statement. )

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 2025-11-24 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: MS

Complaint narrative:
Consumer Name : NAME, Consumer Social Security Number : SSN, Consumer Date of Birth : DOB, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
Kindly consider this a formal notice contesting the accounts referenced. I am not associated with them and did not authorize their creation. A proper review and removal are requested. Supporting documentation is attached.

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 2025-11-24 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: IL

Complaint narrative:
Consumer Reporting Agencies are required to handle credit information fairly and respect every consumers right to privacy. Accurate reporting is essential to the banking system, and unfair or inaccurate reporting harms public trust. I never gave my explicit written consent for these agencies to report my information, which violates 15 U.S.C. 1681b ( 2 ). Because of this, I am now dealing with an alleged case of identity theft, covered under 15 U.S.C. 1681c-2, and the accounts listed are not connected to any transactions made by me. Additionally, the debt collector involved has violated the Fair Debt Collection Practices Act ( FDCPA ). They violated 15 U.S.C. 1692f by attempting to collect amounts not authorized by any agreement or by law. They also violated 15 U.S.C. 1692e by using false, misleading, or deceptive methods to collect a debt or obtain my information. On top of that, they have contacted me at inconvenient times and have harassed me about a debt that is not mine, which is strictly prohibited. Upon reviewing a copy of my credit report, I have identified the following item
( s ) that contain inaccuracies : The inquiry was not authorized XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

Identity Theft XXXX XXXX- Please remove it from my credit report. 

Identity Theft XXXX XXXX- Please remove it from my credit report. 

Identity Theft XXXX  XXXX - Please remove it from my credit report. 

Identity Theft XXXX XXXX- Please remove it from my credit report. 

Identity Theft XXXX XXXX XXXX XXXX- Please remove it from my credit report. 

Identity Theft XXXX XXXX - Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
Consumer Reporting Agencies are required to handle credit information fairly and respect every consumers right to privacy. Accurate reporting is essential to the banking system, and unfair or inaccurate reporting harms public trust. I never gave my explicit written consent for these agencies to report my information, which violates 15 U.S.C. 1681b ( 2 ). Because of this, I am now dealing with an alleged case of identity theft, covered under 15 U.S.C. 1681c-2, and the accounts listed are not connected to any transactions made by me. Additionally, the debt collector involved has violated the Fair Debt Collection Practices Act ( FDCPA ). They violated 15 U.S.C. 1692f by attempting to collect amounts not authorized by any agreement or by law. They also violated 15 U.S.C. 1692e by using false, misleading, or deceptive methods to collect a debt or obtain my information. On top of that, they have contacted me at inconvenient times and have harassed me about a debt that is not mine, which is strictly prohibited. Upon reviewing a copy of my credit report, I have identified the following item
( s ) that contain inaccuracies : The inquiry was not authorized XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

Identity Theft XXXX XXXX- Please remove it from my credit report. 

Identity Theft XXXX XXXX- Please remove it from my credit report. 

Identity Theft XXXX  XXXX - Please remove it from my credit report. 

Identity Theft XXXX XXXX- Please remove it from my credit report. 

Identity Theft XXXX XXXX XXXX XXXX- Please remove it from my credit report. 

Identity Theft XXXX XXXX - Please remove it from my credit report.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC
State: IN

Complaint narrative:
RELIANT CAP is falsely reporting on my credit. I have never had any accounts with them. Per my research RELIANT CAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information listed on my credit report and to request the immediate removal of any derogatory or unverifiable accounts being reported or collected by [ Name of Collection Agency or Creditor ]. This company has not obtained any direct authorization or verifiable information from me, and I have never received any written agreement or documentation that validates their claim. Under both California and federal laws, consumers are protected from the reporting and collection of unverifiable or inaccurate debts. In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) and the California Consumer Credit Reporting Agencies Act ( CCCRAA, Cal. Civ. Code 1785.1 et seq. ), I am requesting the following : Immediate removal of any negative information that can not be verified by original documentation. Cease and desist from any further attempts to collect this alleged debt without validating the information in writing. A complete debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692g ). A written confirmation within XXXX days that the entry has been deleted or corrected in full compliance with California Civil Code 1785.16 and the FCRA.

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 2025-11-24 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: Kriya Capital, LLC
State: AZ

Complaint narrative:
Today, XX/XX/year>, a debt collection company called Credence Resource Management has appeared on my bureaus, regarding an alleged debt of {$440.00}. Before calling the company, I did some research on them and discovered that they have a long history of BBB complaints. I placed a call to them and was switched to an agent. I gave my name and address and they said they show a different address for me. They asked if I had any secondary addresses and I said no. They then began to ask for personal information such as my Social Security number. I do not give such information to an unknown or untrusted source so the call was ended. This appears to be a case of identity theft and fraud. I do not have any overdue or outstanding debt anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: OR

Complaint narrative:
I was given a Visa Gift Card from a vendor for {$250.00}. I am trying to activate it per the card instructions on prepaidgiftbalance.com and it won't work. I have tried XXXX  times on multiple devices and browsers. I called the company and reached an automated message telling me I had won {$100.00} " voucher '' and would get instructions once the operator came on the line. I was transferred and the operator asked for my personal information. I provided my name and proceeded to ask if she could help be activate the card, she then proceeded to ask me for my banking information. When I told her I wasn't comfortable providing it and she bid me a good day and hung up the phone. Can you help me retrieve my {$250.00}?

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 explanation
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed my credit standing and score. I previously contacted your agency, and a representative assured me that these unauthorized inquiries would be removed. However, this promise has not been fulfilled, and the inquiries persist. This inaction is unacceptable, as the continued presence of these potentially fraudulent entries raises serious concerns about identity theft and is causing ongoing emotional and financial distress.

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 2025-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
This home had an electrical fire on XX/XX/XXXX and our insurance company was immediately notified. We kept in contact with XXXX and once insurance had finalized and agreed to a reasonable amount for payment we asked for a loan modification to begin payments again. In XXXX we were granted a loan modification and started making the full payment. Then after hiring contractors our quotes for repairs ranged from {$450000.00} - XXXX outside of the insurance quote of {$350000.00} after another XXXX  months with insurance going back and forth they agreed to max out the insurance coverage which still left $ XXXX in repairs, classifying the home a total loss. I notified XXXX of XX/XX/XXXX that my husband and I would like to pay the home off and figure out what to do with the home after. I specially stated on calls that I want to do the right thing and make sure XXXX is whole. Once the final check was received per the instructions provided my husband and I signed the checks and overnighted them to XXXX with a letter asking for the home to be paid off. Once the checks were cashed then that calls started from XXXX stating we needed to provide a payoff quote from their company to pay the home off. I requested this through an IVR system, phone representative and online. All of which I was told were cancelled because in XXXX my husband and I filled bankruptcy. It was only as on XX/XX/XXXX I was told they payoff could only be requested by the law firm XXXX XXXX XXXX. I called and left voicemails and finally got a call from XXXX on Monday stating I needed to get a payoff from XXXX once again. When I told her I have been going around and around with loancare for a month and that was not true her law firm needed to provide the payoff and being placed on hold XXXX ( XXXX ) times because XXXX needed to consult with a collage because she doesnt handle payoffs told me due to the holiday they can not get me a payoff until sometime next week and she doesnt know when next week. This is now XXXX  days since I started this process and the only thing that has been accomplished is XXXX cashed the checks and is holding the money and I am paying interest per day for a home I cant live in and clearly can not buy. I am being lied to, this has become an unfair and deceptive company that is holding my money ransom for reasons I will never understand except to milk my husband and I dry for a house fire that already runined our lives.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Listed below are the Collection Information that are being challenged : XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NY

Complaint narrative:
I need to stress that this complaint is not a mistake. There is a specific account on my credit report that is not being reported with the maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). This inaccuracy is causing harm to my credit score and continues to affect me in ways that are incredibly stressful and overwhelming. These are challenging times, and it would be a tremendous help, truly a blessing, if this erroneous account could be corrected or 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