vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX ( ORIGINAL CREDITOR : XXXX XXXX  ) - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dispute the accuracy of listed accounts that were not authorized by me. Please conduct a comprehensive investigation and delete them from my credit file. Relevant materials are provided.

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 2025-08-19 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:
I dispute the accuracy of listed accounts that were not authorized by me. Please conduct a comprehensive investigation and delete them from my credit file. Relevant materials are provided.

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 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to use PayPal to pay for movie tickets. It did not process, so after logging in I discovered that my account is permanently limited. Over the course of the last few days I attempted to find out why my account is permanently limited, and Costumer Service told me 'they did not know ' and my account was deemed high risk. On the morning of XX/XX/XXXX, I received a call from a PayPal supervisor, and he did not tell me exactly why my account was permanently limited, only that is is a high risk account.

In summary, PayPal has limited my account without telling me exactly what I have done wrong, and I believe this is a violation of the Fair Banking Act signed on XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
TJ Maxx company is engaged in unethical, unscrupulous and deceptive practices. With a store card for more than 20 years, and with zero interest charges almost never being assessed, this company is out to do whatever it can to trap customers. Most recently, within the last month and a half, a family relocation occurred, at which time email messages were not being checked on a regular schedule due to the nature of the move. With a higher than usual balance of {$390.00}, due to the relocation and the need to furnish the new location, there was a balance carried over. Quite bothered by this, and given an impeccable payment history ( 1 prior balance carried over almost 1 year prior ), the FULL balance was paid on the XXXX - XXXX billing statement! Yet, in spite of this, on the statement ending XX/XX/XXXX there was an interest ONLY charge assessed for {$5.00} - due to the balance being paid in full prior to the statement closing- which means that interest continued to accrue. The company disregarded that despite the fact that the entire statement balance, which closed on XX/XX/year>, BUT was PAID IN FULL WITH NO REMAINING BALANCE PRIOR to statement closing on XX/XX/year>, no concession was attempted to waive the interest charge. 
Given an OUTSTANDING pay-in-full history, after speaking with two reps, a refusal to waive the interest was given. Thus, leaving a highly dissatisfied, long-standing, over 20-year customer, and now, former TJX Reward card customer .

Businesses such as this who choose to charge nearly 40 % interest charges, should NOT be allowed to prey on customers in this manner. It is unfair and unjust. 
Hopefully, stricter standards and regulations will be put in place for predators such as this to send more VISIBLE warnings to online AND paper clients, so that such exorbitant fees can be caught more in advance, and the customer is educated and more aware of when and how such fees are going to be assessed.

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 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint regarding my verified Venmo Business Account ( XXXX XXXX ) which currently has a balance that is inaccessible. Despite being able to accept incoming funds, I am blocked from linking a bank account and debit card, therefore unable to transfer funds to a bank account ; also blocked from sending money to other Venmo users. This situation has persisted for several months. I have repeatedly contacted Venmo support by both phone and email, but the responses Ive received have been dismissive and unhelpful. Each time, I am told only to wait and that maybe the system will eventually release the block. It is unacceptable that Venmo continues to allow deposits into my account while preventing me from accessing or using those funds. This effectively traps my businesss money in their system without transparency, accountability, or resolution. This ongoing issue is harming my business operations and undermines trust i
n Venmos platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following items and remove them if they can not be verified with complete accuracy.

Accounts in Dispute Charge-Off Accounts : 1. SYNCB/CARE CREDIT Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00} Status : Charged Off I dispute the accuracy and request full validation, including the original signed agreement and payment history. 
XXXX. XXXX Account Number : XXXX Balance : {$490.00} Status : Charged Off I dispute this account as I do not believe it is being reported accurately. Please provide verification or remove. 
XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX  Balance : {$20.00} Status : Charged Off This account is being reported as charged off. I request verification of its accuracy and legitimacy. 



Collection Accounts : XXXX. XXXX XXXX XXXX XXXX ( for SYNCB/CARE CREDIT ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} This debt is listed as a collection, but I dispute its validity and request verification. 
XXXX. XXXX XXXX XXXX XXXX ( for XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} I do not recognize this account and request validation. 
XXXX. XXXX XXXX XXXX XXXX ( for XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} Please provide documentation proving this debt is valid. 



Inquiries in Dispute The following inquiries appear on my credit file without my authorization. Please remove them unless you can provide proof of my consent : 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  XX/XX/XXXX Requested Action I respectfully request : 1. Deletion of all unverifiable or inaccurate charge-off accounts.

2. Removal of collection accounts that can not be validated.

3. Deletion of unauthorized or unverified inquiries.

4. A copy of my updated credit report once these corrections are made.

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 2025-08-18 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: CL Holdings LLC
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following items and remove them if they can not be verified with complete accuracy.

Accounts in Dispute Charge-Off Accounts : 1. XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00} Status : Charged Off I dispute the accuracy and request full validation, including the original signed agreement and payment history. 
XXXX. XXXX Account Number : XXXX Balance : {$490.00} Status : Charged Off I dispute this account as I do not believe it is being reported accurately. Please provide verification or remove. 
XXXX XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$20.00} Status : Charged Off This account is being reported as charged off. I request verification of its accuracy and legitimacy. 



Collection Accounts : 4. XXXX XXXX XXXX XXXX ( for XXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00} This debt is listed as a collection, but I dispute its validity and request verification. 
5. JEFFERSON CAPITAL SYSTEMS LLC ( for XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} I do not recognize this account and request validation. 
XXXX. XXXX XXXX XXXX XXXX ( for XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} Please provide documentation proving this debt is valid. 



Inquiries in Dispute The following inquiries appear on my credit file without my authorization. Please remove them unless you can provide proof of my consent : 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  Requested Action I respectfully request : 1. Deletion of all unverifiable or inaccurate charge-off accounts.

2. Removal of collection accounts that can not be validated.

3. Deletion of unauthorized or unverified inquiries.

4. A copy of my updated credit report once these corrections are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc
State: SC

Complaint narrative:
I just want to paid my debt I just not to long ago got the letter I dont live at that address no more

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, ( XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Creditor Name : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime credit bulider is showing on my credit for some reason i have closed account and cant reopen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
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 non-monetary relief
Consumer complaint received 2025-08-19 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:
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 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 2025-08-18 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: GA

Complaint narrative:
I discovered today that there are incorrect accounts listed on my credit report, and I have no explanation for their appearance. When I checked my report, as I normally do, I saw discrepancies that werent there before. I tried refreshing the page in case it was a temporary issue, but nothing changed. These inaccurate accounts are still showing, so I am asking that the documents I provided be thoroughly examined to ensure this problem is resolved once and for all.

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 2025-08-18 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: SC

Complaint narrative:
I am a victim of Identity theft and the following accounts are not mine and I have no knowledge of thess accounts XXXX  XXXX XXXX....... Account Number:XXXX  The following inquiries are unauthorized 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 explanation
Consumer complaint received 2025-08-19 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: GA

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 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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: NY

Complaint narrative:
I purchased a pair of earrings from the merchant, XXXX two years ago, XX/XX/year>. I received the earrings and wasnt satisfied with them. I informed the merchant that I returned the earrings and requested a refund. The merchant, XXXX never responded to any of my texts, nor emails for two years now. I messaged the third party, XXXX about my issue with the merchant, XXXX. I explained to XXXX, that I contacted the merchant about the earrings returned and never received a refund. XXXX  wasnt able to assist me on getting my refund, when I used them to pay off the payment plans.

Company response to consumer: Closed with explanation