vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
I lost my purse with all of my personal items including my phone in the XXXX XXXX XXXX, shortly after I started receiving calls and emails about accounts and payments that are not mine. I received emails saying my information was listed on the dark web. I reported the theft and the accounts popping up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
This is XXXX XXXX making a complaint against company TSI Ive had a previous complaint against them where they have responded XX/XX/2025 ( Via : CFPB Portal ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Re : XXXXur Reference No. Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Account No. : XXXX Dear XXXX XXXX : Transworld Systems Inc. ( TSI ) has received your complaint filed with the Consumer Financial Protection Bureau. TSI has researched this matter and the findings are set forth below : Please be advised that the above-referenced account is closed in TSIs system. It is TSIs intent to have no further communication with you regarding this matter. You may contact XXXX XXXX at XXXX XXXX XXXX, XXXX, TN XXXX for any further questions regarding your account. TSI has not reported the above-referenced account on your credit report. TSI can not affect a change to how the creditor or any other company may have listed the account on your credit profile. We appreciate the opportunity to respond to your inquiry. Very truly yours, TSI Consumer Affairs This is a communication from a debt collector. Calls to and from this company are recorded and may be monitored. However they have issued a letter to my home address dated XXXX XXXX and also received a text XXXX XXXX I will attach proof of documentation below. I ask for a cease and desist with this company I dont have a contract with them they cant provide contracts with my signature of any kind, they have contacted me after theyve stated they would not in the closed complaint dated XXXX XXXX. Ive been contacted via text and via mail after the complaint has closed. Theyve stated to the CFPB they will not contact me nor report anything to the credit agencies theyve provided inaccurate information and done the opposite once the complaint was closed. 
This complaint is to give TSI notice to cease and desist all contact with me or anyone else except the creditor about this alleged debt. Accordingly under 15 U.S.C section 1692c this is my formal notice for you to cease all further communication. As of XX/XX/XXXX you concluded to the CFPB This debt collector has violated THE FCRA The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) both allow for statutory damages of up to {$1000.00} for violations. This means that a consumer or debtor can recover up to {$1000.00} in damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: AZ

Complaint narrative:
Velocity Investments , LLC appears to be engaging in systematic, unlawful debt collection practices on a national scale, violating the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and Consumer Financial Protection laws. Their debt collection and litigation tactics are harming thousands of consumers across multiple states, many of whom may not even owe the debt they are being sued for. 

Key Issues with Velocitys Practices : Failure to Validate Debt Before Pursuing Collection & Litigation Velocity fails to provide legally required documentation when requested, including : - A signed contract proving the alleged debt belongs to the consumer. 
- A complete chain of title demonstrating ownership of the debt. 
- An itemized breakdown of the balance owed. 

Despite these failures, they continue collection efforts and legal actions, placing undue burden on consumers. 

Mass Filing of Lawsuits Without Proper Documentation Public records indicate Velocity has filed thousands of lawsuits nationwide against consumers, often without sufficient documentation to prove debt ownership. 
Instead of providing legally required proof, they rely on boilerplate affidavits, unsigned disclosures, or generic statements, which do not meet legal standards for debt validation. 

A Systemic Pattern of Litigation Abuses Many of these lawsuits result in default judgments because consumers lack the legal knowledge or financial resources to challenge them. 

This practice mirrors XXXXXXXX XXXX XXXX violations, which led to a {$15.00} XXXX settlement with the CFPB for similar unlawful collection tactics. 

Widespread Consumer Harm Across Multiple States This is not an isolated issueVelocitys litigation and collection practices have affected consumers in multiple states, including but not limited to Arizona, Texas, Florida, California, and New York. 

Consumers who challenge Velocitys claims in court often face delays, lack of responses, and continued collection efforts despite noncompliance with legal validation requirements.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I opened this account 6 Months ago and they have all my contact information and I set the payments up on auto draft. I did not realize the last payment didn't go thru. I never received a written notice or a phone call the account was slightly delinquent. It was caught up immediately after I realized the error. It was reported to the credit bureau a day after payment was made. It was reported 2x. Causing a XXXX point drop in my credit!!!! Please help me correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
There are numerous accounts opened. I paid the amount I was told over the phone. Shortly after, I received another statement with an amount of {$1800.00} ( approximately ). When I called, I was told there was over {$12000.00} owed. The amounts showed for the service dates do not make sense as I was insured. When I look online through the healthcare system, it shows, the amounts were paid by my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been the holder of an XXXX XXXX XXXX business checking account at Chase Bank since XXXX. This account is the primary account for my business operations and is used by my clients to make payments for services rendered. 

Last XXXX, I received a notification from the bank informing me of the closure of my account without specific justification. This decision represents a considerable logistical challenge, since my clients have used these bank details on a recurring basis to make their payments. According to the communication received, the account will no longer be operational in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I canceled service with XXXX XXXX due to them no longer offering a service I needed. XXXX XXXX XXXX XXXX XXXX. I got a final bill in the mail it was paid and equipment was returned. Now nearly 2 years later I got a phone call from Sunrise collection company saying I owed XXXX XXXX XXXX XXXX. I said I never received anything from XXXX XXXX about any unpaid balance and I verified my account was cancelled, paid and the dvr receiver equipment was returned. So i disputed this with sunrise via on the phone and email and never received my requested verification of this debt from XXXX XXXX This was fraudulently placed on my credit report now I am getting letters from another agency also claiming to be first party with XXXX XXXX  and not a XXXX XXXX XXXX XXXX XXXX XXXX  asking for me to send another email of dispute to them. I will do that but this is a violation of FDCPA. I am dispute and filing a complaint on this invalid debt. Remove it from my credit and cease collecting attempts.

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 2025-02-22 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: SC

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Hard inquiries on my credit report. The companies have no knowledge of my information on file. I provided them with my name, DOB, social security number, contact number, and address. With all the information they couldnt find me in their system. Was even connected to different departments and yet to be found in their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/year> accounts were to be removed from credit report. Have not been removed. Have disputed and asked for them to be removed, but Experian will not remove.

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 2025-02-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dispute for Unverified Account Request for Method of Verification Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up. 
Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly. 
Here are the accounts Im disputing : Account Name : XXXX XXXX, Account Number : XXXX, Issue : Unverified Account Account Name : XXXX, Account Number : XXXX, Issue : Unverified Account Account Name : XXXX  XXXX, Account Number : XXXX, Issue : Unverified Account Account Name : XXXX / XXXX, Account Number : XXXX, Issue : Unverified Account Account Name XXXX XXXX Account Number : XXXX, Issue : Unverified Account Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX, Issue : Unverified Account Account Name : XXXX, Account Number : XXXX, Issue : Unverified Account Account Name : XXXX XXXX Account Number : XXXX, Issue : Unverified Account Account Name : XXXX XXXX, Account Number : XXXX, Issue : Unverified Account I also know about the recent lawsuit between the CFPB and XXXX, where XXXX got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right. 
Heres what I need from you : A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ). 
Exactly what steps you took to investigate my dispute. 
Copies of any documents you used to verify the account. 
If you cant properly verify this account, I want it deleted from my credit file. 
Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, XXXX have no choice but to take this to my states Attorney General, or other authorities. 
I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
please investigate this item. this item is inaccurate. The clerk of the Unites States Bankruptcy court confirmed they do not verify any information to credit bureaus or CFBP. with that being said, this information reported on my credit report is unverifiable, inaccurate and false.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I received emails from US bank saying a CD and savings account were opened in my name, when I checked my True Identity account it showed there was an inquiry by US Bank. XXXX XX/XX/year>.

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 2025-02-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
o Whom It May Concern, I am submitting this formal complaint against Barclays for their refusal to open a billing dispute regarding a charge of {$810.00} from XXXX XXXX, citing an arbitrary and unreasonable submission deadline of 10 days. This refusal is in direct violation of Regulation Z of the Truth in Lending Act ( TILA ) ( 12 CFR 1026.13 ), which grants consumers 60 days from the statement date to dispute a charge. 

Despite my multiple attempts to contact XXXX XXXX regarding this unauthorized or improper charge, the merchant has failed to respond or provide resolution. As my card issuer, Barclays has a legal obligation to investigate my dispute in good faith and can not impose policies that unlawfully restrict my rights under federal law. 

I demand that Barclays immediately open a dispute investigation into this charge and comply with its obligations under TILA. Their failure to do so constitutes unfair and deceptive practices under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). If this matter is not promptly addressed, I will have no choice but to escalate my complaint to the Office of the Comptroller of the Currency ( OCC ) and consider legal remedies available to me.

I expect a written response acknowledging this complaint and outlining the steps Barclays will take to resolve this matter. Please consider this my formal request for regulatory intervention.

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 2025-02-22 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: CARD Corporation
State: CO

Complaint narrative:
I received a credit/ debit card called XXXX XXXX  debit card. It looks very legit and on the bottom has an account number and routing number. It says XXXX XXXX  account by XXXX  and it says Card! There is only one number on there and when you contact it it asks you for your 9 digit social security which is odd! I did not enter any info because I can't risk it. Their website is Card.com and on their website it looks childish and looks fake to me. I never opened a credit or debit card from such bank XXXX or Card!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Letter is attached from corporation stating that his account isnt mine and im not resposible for the account

Company response to consumer: Closed with explanation