vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: OK

Complaint narrative:
I had a medical procedure ( Screening for XXXX XXXX XXXX ). My Medical insurance ( XXXX XXXX XXXX XXXX ) will pay the majority of my procedure and I utilize the XXXX XXXX XXXX , to cover the rest of my medical costs. I was approved by the XXXX. to proceed with the procedure and they would cover the remaining balance. 
I am not a medical billing expert, but I have been told by ( Synerprise Consulting ). I owe {$570.00}. I can not get a honest response, on why the billing was not processed? When I go to do any procedures, my XXXX knows my intentions. They congregate, with XXXX. for financial support. I then proceed, with my procedure. In other words, I am 100 % covered. 
I need to put closure to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MD

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX gave my credit report consistent errors. They reported incorrect payment dates and closing dates. The dates differ on all three credit agencies. They were negligent in handling my dispute, not considering my evidence. XXXXXXXX XXXX XXXXXXXX also contradicted the payments they reported on my credit report, showing a completely opposite record of my payments. This account has too many errors, and I dont trust the creditor. They should follow consumer law guidelines.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX gave my credit report consistent errors. They reported incorrect payment dates and closing dates. The dates differ on all three credit agencies. They were negligent in handling my dispute, not considering my evidence. XXXXXXXX XXXX XXXXXXXX also contradicted the payments they reported on my credit report, showing a completely opposite record of my payments. This account has too many errors, and I dont trust the creditor. They should follow consumer law guidelines.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX gave my credit report consistent errors. They reported incorrect payment dates and closing dates. The dates differ on all three credit agencies. They were negligent in handling my dispute, not considering my evidence. XXXX XXXX XXXXXXXX also contradicted the payments they reported on my credit report, showing a completely opposite record of my payments. This account has too many errors, and I dont trust the creditor. They should follow consumer law guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> funds was being pulled from my account with chase I called the bank and explained what happened, funds is being pulled from my account without my authorization and they still didnt close my card. On the XXXX of XXXX again {$2600.00} was pulled from my account and I called the bank again and thats when my card was closed. Anyhow they filed a claim and then closed it claiming they cant recover the funds. A total of {$9500.00}. The claim was closed on the XXXX of XX/XX/year>. I am reaching out as the bank didnt do anything and they are refusing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE

Complaint narrative:
Dear Sir/Madam, I am submitting this formal complaint regarding my Barclays bank account XXXX which has been completely inaccessible for 16 months. I am a foreign client and have never had actual access to the account, despite it holding substantial funds of over {$50.00} XXXX. 

The account was initially opened in XX/XX/year>, including a XXXXXXXX XXXX XXXX XXXX XXXXXXXX savings account. Since then, I have attempted to access and use the funds through various platforms and jurisdictions, without success. 

During this period, I contacted XXXX XXXX XXXX  of Barclays in different jurisdictions, but received no response all communication attempts were ignored. 

Given the prolonged inaccessibility and lack of response from the bank, I request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to : 1. Ensure immediate access to my account ; 2. Regularize the use of funds and any pending operations ; 3. Obtain a formal response from Barclays regarding the reasons for the prolonged account restriction.

I emphasize that I have fulfilled all contractual obligations required for the opening and maintenance of the account, and that this extended restriction is causing significant disruption and concern. 

I kindly request that the CFPB review this matter urgently and provide guidance or assistance in resolving this situation promptly. 

Thank you for your attention and support. 

Sincerely

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 2025-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
On or about XX/XX/2025, I contacted Nordstrom multiple times regarding the establishment of a business/vendor account under my Trust, which operates with its own EIN and D-U-N-S number. Despite my repeated requests for legitimate business credit solutions, I was consistently directed toward personal consumer credit options, including attempts to run my personal credit, which I expressly refused.

Nordstrom representatives further provided me with misleading contact information ( including a nonfunctional email address for credit escalation ) and failed to provide accurate escalation channels for business-related credit matters. This constitutes misrepresentation and false advertising under consumer protection standards.

I emphasize that under UCC 1-308 ( Reservation of Rights ), I explicitly reserved all rights not to be compelled into personal liability for obligations intended to be undertaken by the Trust entity. Additionally, under UCC 9-102 and 9-203, the business entity has a right to establish secured obligations and credit relationships under its EIN/D-U-N-S without being forced into commingling with personal consumer credit. 

Nordstroms refusal to provide accurate, transparent, and fair access to business credit options, while promoting personal credit applications instead, has obstructed legitimate commerce and denied me equal access as a business applicant. I am requesting regulatory review of these practices to ensure fair treatment of business entities seeking credit relationships.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed an XXXX XXXX auto lease account with all three credit bureaus. Each bureau verified the account as accurate despite clear contradictions in the reporting. 

- The account shows " XXXX late payments for the life of the lease. '' - Despite no delinquency history, the account is reported as a " charge-off '' with profit and loss write-off. 
- Reported balances are inconsistent and contradictory : {$6200.00} past due vs. {$7400.00} written off. 
- Reporting history shows every month as XXXX ( current ) until XX/XX/year>, when it suddenly flips to L ( charge-off ), without the required XXXX days of delinquency. 

By verifying the XXXX XXXX as accurate without resolving these contradictions, Experian, Equifax, and TransUnion failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ).

Why this is inaccurate 1. An account can not simultaneously show no delinquencies and be reported as a charge-off. 
XXXX. Balances are contradictory and not properly documented. 
XXXX. Each bureau relied solely on XXXX input instead of conducting a meaningful reinvestigation.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-12 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My information has been exposed to a data breach. There has been several debt collectors contacting me and harassing me. FCRA 605B states that this information should be BLOCKED immediately while the FTC investigates.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: OK

Complaint narrative:
This is being sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g ( b ). I dispute the validity of the above-referenced alleged debt and hereby request full validation.

Until you provide complete validation, you must cease all collection activity, including reporting to the credit reporting agencies.

Specifically, I request the following : 1. A copy of the original signed contract or agreement bearing my signature that shows I am legally obligated to pay this alleged debt. 
XXXX. Chain of custody documentation showing how the debt has been transferred, sold, or assigned, including all prior owners of the debt. 
XXXX. A complete itemized breakdown and full payment history, showing how the balance you claim is due was calculated. 
XXXX. Proof that your agency has the legal right to collect this debt, including any state licensing information if required by law. 
XXXX. The name and full contact information of the original creditor and of the entity that verified and validated this alleged debt with the credit reporting agencies. 
If you can not provide the above documentation, I demand that you immediately remove and delete this account from all credit reporting agencies to which you have furnished information, as you are not legally able to verify or collect upon it. 
Please note : Any attempt to pursue collection activity without full compliance will be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue my rights through the Consumer Financial Protection Bureau, the Federal Trade Commission, my State Attorney General, and civil litigation if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I reviewed my consumer reports and noticed I had four late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX XXXX XXXX account number : XXXX Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided, I demand these payments to be updated to on time as they should be as I was NEVER late. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
In 2021, XXXX XXXX XXXX canceled and discharged a portion of this debt. As evidence of this cancellation, XXXX XXXX XXXX issued a Form 1099-C, Cancellation of Debt, for the amount of {$1000.00}. The issuance of this form indicates that the original creditor has reported the debt as XXXX for tax purposes to the Internal Revenue Service ( IRS ). 

Despite this, the debt was subsequently sold to NCB Management Services , Inc., who is now attempting to collect on it. An attempt to collect on a debt that has been formally canceled by the original creditor is a deceptive and fraudulent business practice.

Company response to consumer: Closed with explanation