vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX XXXX Collection amount : {$5600.00} Account XXXX  XXXX Reviewed my credit and saw a collection amount of {$5600.00} reported from the above company. 
I have no idea of debt or any agreement with said company. 
Company needs to send me proof via mail that I am in debt contract with them or remove the account from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX said they can do what they want. Her manager said about the same, but she would request from a department that it be lowered. No idea what department and think she was just trying to get off the call. 

I also pay an annual fee of {$99.00}. to receive their Platinum Card.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint with CURRENT because what they are doing is abusive. They have lowered my credit score by almost XXXX points when I don't owe them anything, not a cent. In fact, they have already closed my account, and I need my credit repaired immediately with all credit card companies. I am sending the company 's information so they can immediately correct my credit. It's a robbery and unfair. I don't owe them anything, nor have they ever lent me ANYTHING.

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 2025-05-01 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: TX

Complaint narrative:
I am filing this complaint with CURRENT because what they are doing is abusive. They have lowered my credit score by almost XXXX points when I don't owe them anything, not a cent. In fact, they have already closed my account, and I need my credit repaired immediately with all credit card companies. I am sending the company 's information so they can immediately correct my credit. It's a robbery and unfair. I don't owe them anything, nor have they ever lent me ANYTHING.

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 2025-05-01 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: CT

Complaint narrative:
I recently noticed inaccurate information being reported to my credit report. I asked that the cfpb ensures the credit bureaus do a proper investigation into this matter and provide proof of investigation and findings.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently noticed inaccurate information being reported to my credit report. I asked that the cfpb ensures the credit bureaus do a proper investigation into this matter and provide proof of investigation and findings.

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 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlantic Recovery Solutions LLC
State: CO

Complaint narrative:
Trying to collect on a debt that was deemed as fraud by the NY attorney generals office. The business was conducted in New York j have never been nor plan to visit. I live in the XXXX and someone stole my idenity and opened up a fraudulent account. They have threatened legal proceedings as well as threatened to end me this is a fraud XXXX t as we still sold to a private XXXX XXXX party debt collector even after it was deemed as 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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Sparrow Financial, Inc.
State: PA

Complaint narrative:
I am making payments to the credit card company called ( sparrow ) I paid them {$40.00} payment my account was closed because I had fallen behind. My complaint is that they are calling me and harassing me non stop every XXXX mins to an hour they are calling me leaving me voicemails even after making a payment I made a payment 5 days ago and lost track of how many times they have called me. I have asked them to stop calling they still call me. My next course of action is to seek legal action against them for harassment. I told them the last time I answered that I would continue to make {$40.00} payments every month until it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX  XXXX : XX/XX/XXXX SSN : XXXX Subject : Credit Report Dispute Unauthorized Account & Hard Inquiries Dear Experian, Equifax , Transunion I am writing to formally dispute inaccurate and unauthorized information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681b. 
XXXX. Unauthorized Account DPT EDXXXX An account titled " DPT EDXXXX '' reported on XX/XX/XXXX, appears on my credit report. This is an error and appears to result from unauthorized access to my personal and consumer data by a third party. Specifically, I have reason to believe this information may have originated from XXXX XXXX 's unauthorized access and a potential data sharing issue connected to the Department of Education on XX/XX/XXXX. 
I did not open or authorize any such account. 
I request that you remove or correct this inaccurate account information immediately. 
XXXX. Unauthorized Hard Inquiries XX/XX/XXXX There are also unauthorized hard inquiries on my report dated XX/XX/XXXX, by the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these entities to access my credit. Under FCRA 1681b ( c ), a consumer reporting agency may only furnish a consumer report if the user of the report has a permissible purpose. Since I did not apply for credit with these organizations, these inquiries were made without my consent and are considered impermissible under the law. 
Action Requested : Delete the DPT EDXXXX account from my credit report. 
Remove all hard inquiries listed above from my credit file. 
Provide written confirmation that these items have been deleted or corrected. 
Please complete the investigation within the required 30-day period. Enclosed are copies of my identification and proof of address to assist with verifying my identity. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-05-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX  XXXX : XX/XX/XXXX SSN : XXXX Subject : Credit Report Dispute Unauthorized Account & Hard Inquiries Dear Experian, Equifax , Transunion I am writing to formally dispute inaccurate and unauthorized information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681b. 
XXXX. Unauthorized Account DPT EDXXXX An account titled " DPT EDXXXX '' reported on XX/XX/XXXX, appears on my credit report. This is an error and appears to result from unauthorized access to my personal and consumer data by a third party. Specifically, I have reason to believe this information may have originated from XXXX XXXX 's unauthorized access and a potential data sharing issue connected to the Department of Education on XX/XX/XXXX. 
I did not open or authorize any such account. 
I request that you remove or correct this inaccurate account information immediately. 
XXXX. Unauthorized Hard Inquiries XX/XX/XXXX There are also unauthorized hard inquiries on my report dated XX/XX/XXXX, by the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these entities to access my credit. Under FCRA 1681b ( c ), a consumer reporting agency may only furnish a consumer report if the user of the report has a permissible purpose. Since I did not apply for credit with these organizations, these inquiries were made without my consent and are considered impermissible under the law. 
Action Requested : Delete the DPT EDXXXX account from my credit report. 
Remove all hard inquiries listed above from my credit file. 
Provide written confirmation that these items have been deleted or corrected. 
Please complete the investigation within the required 30-day period. Enclosed are copies of my identification and proof of address to assist with verifying my identity. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit report and see there is an account that is not reporting accurate information. I have 3 late payments showing on an account that has definitely and consistently been paid on time. The credit reporting agencies job is to simply report completely accurate information. The account in question is XXXX XXXX XXXX XXXX XXXX XXXX which displays late payments in XX/XX/year>, XX/XX/year> and XXXX of 2023. 

I demand the credit bureaus investigate these accounts and request proof of late payments from the company and provide it to me. If that information is not provided update these payments/account to paid on time immediately.

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 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Product : Mortgage Issue : Problems with escrow account or property damage claim Company : Shellpoint Mortgage Servicing Loan Number : XXXX What happened : In XX/XX/year>, I received an insurance claim check for property damage related to my home. Per Shellpoints guidance, I endorsed the check and mailed it to the address they provided. The check was delivered and confirmed received by Shellpoint on XX/XX/year>. Since then, I have made multiple attempts via phone and email to obtain an update on the status of these funds. 

Despite repeated follow-ups and escalationincluding threats of legal actionI have received no substantive response and no confirmation that the funds have been applied, held in escrow, or disbursed for repairs. It has now been over a month, and Shellpoint is effectively obstructing the repair process by not releasing or managing the funds in a timely and transparent manner. 

This delay is causing material hardship and preventing necessary repairs to my property. I am requesting immediate investigation and resolution, including confirmation of the funds status and next steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing in response to an email I received on XX/XX/year>, notifying me of the unexpected cancellation of my American Express account ( s ) ending in XXXX and XXXX, due to alleged indicia of misuse. I was further informed that, as a result, my accounts are not eligible for reinstatement, and I am no longer permitted to redeem my XXXX Membership Rewards points. 
Since receiving this notice, I have contacted your customer service department over XXXX times in an effort to understand the reasoning behind this decision. Unfortunately, I was repeatedly informed that my accounts were permanently closed for misuse or potential misuse, without being provided with any specific details or evidence supporting these claims. 
I would like to state unequivocally that I have never engaged in any form of account misuse. I have used my American Express Gold and Blue Cash cards solely for personal and household expenses. I respectfully request that your team review all transaction records to verify this. 
I have been a loyal American Express cardholder for over 22 years and have always maintained an excellent credit history with a credit score consistently above XXXX. This abrupt and unexplained action has not only caused personal distress but may also damage my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint on behalf of myself, XXXX XXXX XXXX. XXXX XXXX XXXX is reporting a collection account on my Experian report that violates the Fair Credit Reporting Act, FDCPA, and XXXX XXXX. 

The account was disputed in writing and via Experian in XXXX XXXXXXXX failed to validate the debt, continues to report it without marking it as disputed, and is misrepresenting the balance and charge-off history. 

XXXX has committed at least 10 violations including FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ), 1681i ( a ) ( 5 ), 1681s-2 ( b ), FDCPA 1692g ( b ), 1692e ( 8 ), and Metro 2 Field 17C re-aging violations. 

I am attaching a full Cease & Block demand, sworn affidavit, and declaration of harm. I am requesting full deletion and enforcement under FCRA 616 and FDCPA 1692k.

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 2025-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Was trying to make a loan, gave out my info. I started seeing reverse payment from my car payments. Also started receiving remote deposit which then it was withdrawn. Never received the loan I wanted. Received a notice from my car company saying that The payments were returned and that I owe them. All my car payments are up to date and never missed a payment. I reported this to my bank, told them about the situation and they did a claim on all the remote deposit. Upto now the has a balance which I have to pay without taking this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I authorized one payment in the amount of {$770.00} on XXXX the XXXX through Synchrony Bank 's online payment portal. The payment cleared my bank account on the XXXX of XXXX. To my surprise due to a glitch, error or malfunction on Synchrony Banks part, their system took a second payment the next day for the same amount causing me to be overpaid and a hardship to me. When I contacted them, they could not explain why this occurred and their final resolution was to mail me a check by regular mail that would take 14 days for me to receive even after I expressed I needed the money for other bills which will impact when other creditors will be paid resulting in additional interest, fees and hardship to me due to their mistake. I filed a complaint with a supervisor named XXXX and who said she would escalate it to her supervisor, and I asked for a call back and my money to be expedited back to me since this was their mistake and at this time, I have not received a call back nor my money so at this time, this is effecting me more than you can imagine and no one Synchrony Bank is willing to right their wrong in a timely manner to prevent further hardship and issues to the 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