vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Todd, Bremer & Lawson, Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, I am submitting this formal complaint against Todd Bremer & Lawson , a debt collection agency attempting to collect on a tuition-related debt originally owed to XXXX XXXX. This complaint pertains to their failure to provide timely debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and their failure to follow proper debt collection protocols. 
Summary of the Issue : On XX/XX/year>, I was contacted by XXXX from Todd Bremer & Lawson regarding an alleged debt. I immediately requested verification of the debt via mail with official documents validating the debt, and received nothing in return. 
They failed to send a written notice within five ( 5 ) days of their initial communication, as required by 15 U.S.C. 1692g ( a ). 
On XX/XX/year>, I exercised my right under the FDCPA and formally disputed the debt, requesting validation within the required 30-day period. 
The debt collector failed to validate the debt within the legal timeframe but continued collection efforts, which is a direct violation of federal law. 
After their initial failure, they eventually provided validation only after the 30-day period, which suggests they may have been attempting to collect without proper documentation. 
I explicitly requested all communication be conducted via email, but on [ Date of Phone Call ], I received a phone call from them, disregarding my request. 
Despite these violations, they have already reported this debt to credit bureaus, negatively impacting my credit. 
Violations Committed by Todd Bremer & Lawson : Failure to send a written debt validation notice within five ( 5 ) days of initial contact, violating 15 U.S.C. 1692g ( a ). 
Failure to provide timely validation of the debt within the required 30-day period under 15 U.S.C. 1692g ( b ). 
Unlawful collection activity prior to validation, which is prohibited under the FDCPA. 
Failure to honor my communication preference, violating consumer rights under 15 U.S.C. 1692c. 
Potential unfair credit reporting practices if they reported the debt while failing to provide timely validation. 
Requested Actions : I respectfully request that your office : Investigate Todd Bremer & Lawson for multiple FDCPA violations. 
Require them to cease all collection efforts until they can prove full compliance with the law. 
If applicable, instruct them to remove any negative credit reporting related to this improperly validated debt. 
Impose penalties if they are found to have engaged in deceptive or unfair debt collection practices. 
I am submitting this complaint because I believe consumers should not be subjected to unlawful collection practices that disregard their rights. I appreciate your attention to this matter and look forward to your response regarding any actions taken. Please feel free to contact me for additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: WA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 non-monetary relief
Consumer complaint received 2025-03-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW CITY FUNDING CORP.
State: NJ

Complaint narrative:
I am filing a complaint against New City Funding Corp for failing to properly validate a debt and reporting inaccurate information to XXXX in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I disputed this debt with New City Funding Corp and requested full validation, including an itemized account breakdown, payment history, and legal proof they own the debt. Instead, they only provided a copy of a contract, which does not constitute full validation. 

Additionally, this debt may be over 7 years old, meaning it should be removed under FCRA 15 U.S.C. 1681c ( a ), which states derogatory accounts must be deleted after 7 years from the date of first delinquency. 

New City Funding Corp is : Failing to verify the accuracy of the debt before reporting it. 
Refusing to provide full validation as required under FDCPA. 
Reporting a possibly time-barred account, which is illegal under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I Was trying to complete a Venmo transaction over the phone with a representative named XXXX from Venmo and while he was trying to help me complete the transaction, I told him beforehand that I did not have the money the {$400.00} to pay back before the payment was received now although they said that this is to protect the buyer and make sure he got his money back I told him that I did not have the funds to give back to the buyer before the money was received, when he went through with the transaction, even though I told him this information, I repeated it to him and told him that I had previously already said I did not have the funds to refund it first thats the whole reason why I was selling the item in the first place and instead of helping me completely or refunding the payment completely he hung up in my face and then refuse to answer the phone number that I had called from. This morning I proceeded to call that same number back thinking that I was going to speak with a different representative and it ended up being XXXX again and when I presented the situation back to him, Im assuming he recognized the situation and he sat on the phone quietly for at least four minutes as I was saying hello into the phone where he then hung up in my face again all we want was either to refund the money or complete the transaction the man stated several times that he trusted me to send the XXXX back after the full XXXX was sent. I was going to send it after I received the full payment of the {$700.00} because I dont have I didnt have The XXXX on my card before the {$700.00} payment so now the {$700.00} are stuck in the system and neither one of us is able to receive the money because we are unable to get help from a representative besides XXXX who continuously hangs up in our face every time we need the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have filled out a report to clarify the incorrect information that has been sent by the credit bureau through my email. I am writing to formally dispute an error on my credit card statement. I have requested a further investigation regarding this matter, but the problem became disregarded by the company. I appreciate your prompt attention regarding this matter.In addition, I would like a confirmation receipt to keep me notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-06 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I settled my debt on my papal cash back XXXX in XXXX XXXX XXXX. I called them in XXXX to ask why they keep reporting late payments, and the supervisor told me it will be updated within 30 days. I told her its been over 30 days. The last payment was made in XXXX. I also told her that XXXX and XXXX need to be corrected because the account was settled on in XXXX and should have been closed after that settlement. Per the agreement, they promised to update the account to settled and paid. I disputed it with XXXX and the dispute got updated to now show a late payment in XXXX! Ive settled on other debts and it doesnt take almost 3 months to update. They are acting malicious at this point and sending information to the credit bureaus that isnt accurate. Ive even called them and theyre aware Ive paid the settlement in full. And theyre still choosing not to update it. I was even told by a customer service supervisor that she will put in a note to get it updated with the credit bureaus, and nothing came of that. all disputing it did was cause more harm to my credit score. This company needs to be looked into because what theyre doing is questionable. This harms peoples day to day livelihood. I filed a complaint against them already once and they have not answered that CFPB complaint so far. This is Exactly why people dont pay back debts because it doesnt help them in anyway apparantly. I was trying to do the right thing and pay back debt that we only incurred because of financial hardship that happened last summer. We arent bad people. We lost {$88000.00} On our House that wasnt selling while paying on another house. But I feel like Im being treated like a peasant and with disrespect. Instead of ignoring them, I called them to pay it back and I did what I said I was going to do. They need to stick to the agreement!!!! Stop reporting it as late!!!

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 to be 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. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Update the late payments from my consumer reports

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my 2nd attempt to update my credit file to maximum accuracy. In the month of XX/XX/year>, I received my credit file and discovered many inaccuracies, which is concerning and has made it difficult to extend credit in my name. I would like to start with addresses I have not lived at and variations of my name. 
I have one name : XXXX XXXX Please update to report this name only in my credit file. 
Also I recieve mail at one residence, sending correspondendce any where else may result in more identity theft because I do not have access to USPS mail at any other address than : XXXX XXXX XXXX XXXX TX XXXX. Please update this and send me my credit file to confirm changes have been made. 

Please see attachments for supportive document.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
This is my XXXX attempt to update my credit file to maximum accuracy. In the month of XX/XX/year>, I received my credit file and discovered many inaccuracies, which is concerning and has made it difficult to extend credit in my name. I would like to start with addresses I have not lived at and variations of my name. 
I have XXXX name : XXXX XXXX Please update to report this name only in my credit file. 
Also I recieve mail at XXXX residence, sending correspondendce any where else may result in more identity theft because I do not have access to XXXX mail at any other address than : XXXX XXXX XXXX XXXX TX XXXX. Please update this and send me my credit file to confirm changes have been made. 

Please see attachments for supportive document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
PayPal limited my account permanently as a result has kept almost {$4000.00} hostage. They claimed they wanted to ensure nothing was reported as fraud and charged back to the company for their protection. I allowed 40 days so they could ensure none of those events occured. They now are saying SIX MONTHS is their hold time. They at this point are just holding many many peoples funds for an extended amount of time to make money on the interest. If chargebacks were to occur they would have by now. Not to mention consumers like me with over a XXXX credit score are less then 1 % likely to create a charge off loss for the company let alone after 40 days of no issues presenting themselves regarding chargebacks its got to be close to zero risk. If something happened and one of the small transactions were disputed it would be within 30 days and no ones going to destroy their credit over {$50.00} they are just going to fight the dispute and if they lose pay it. Yet they allow people to keep {$0.00} in their account which offers no protection for themselves of chargebacks. Its all a big scam to hold peoples money so they limit accounts for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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