vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
On XX/XX/year>. I found that I can not use my credit card. So I call XXXX client service. The representative told me there was a note about my credit card on the XXXX system : " On XX/XX/year>, another representative from XXXX called me on that day, discussed with me about my credit card. And at the end I agreed to close my credit card ''. After hearing this shocking information, I immediately told the representative that I did not speak with XXXX on XX/XX/year>, whoever the XXXX representative spoke with, that person was not me. My last transaction on credit card was on XX/XX/year>. So I can definitely remember if I talk to XXXX client service or not. Even after I told XXXX client service center that I did not talk to XXXX on XX/XX/year>, that representative still told me there was nothing he can do about it. I asked him I just told you that someone pretends to be me to talk to XXXX client service and close my credit card that I myself do not agree to close. But you still can not do anything? He told me he can not do anything. I totally can not accept this. XXXX recorded on its system that I spoke with XXXX representative on XX/XX/year>, but I can confirm I did not talk with XXXX on that day. XXXX did not take care of my account 's security as my account information was discussed with someone else other than me. And that unknown person closed my credit card on my behalf. Even if I told XXXX someone pretend to be me, XXXX still ignore my concerns and did not raise its attention. It's totally unfair for me that XXXX spoke with someone else other than me about my credit card and used that unknown person 's consent to close my credit card. I enabled voice authentication for account verification, it will be very easy to find out that I did not speak with XXXX on XX/XX/year>, I do not want to and disagree to close my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX : Dispute of Inaccurate Credit Reporting under FCRA and XXXX XXXX I am writing to formally dispute inaccurate and incomplete information that XXXX XXXX and XXXX Bank XXXX Delaware have reported to the credit bureaus regarding my account ( XXXX ). This dispute is made pursuant to the Fair Credit Reporting Upon reviewing my credit report, I have found that both entities have reported inaccurate information that is negatively impacting my creditworthiness. Specifically : XXXX. ** [ Describe the specific inaccurate information, such as account balances, payment history, unauthorized accounts, or fraudulent charges. ] ** XXXX. ** [ Include details regarding how the reporting violates FCRA or USC codes. ] ** # # # Violations of the Fair Credit Reporting Act ( FCRA ) Pursuant to XXXX15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) **, furnishers of credit information are required to report only accurate and complete information. The inaccurate reporting of my account violates this section. 

Additionally, under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, the credit reporting agencies and data furnishers have a legal obligation to investigate and correct any disputed information within XXXX  days of receiving notice. If this inaccurate information is not corrected or removed, you may be in violation of federal law.

# # # Violations of U.S. Code ( USC ) Regulations - **15 U.S.C. 1666 ( Billing Error Resolution ) ** : If the dispute concerns billing errors, this section requires timely investigation and resolution.

- **15 U.S.C. 45 ( Unfair or Deceptive Acts and Practices under the FTC Act ) ** : If the inaccurate reporting is intentional or misleading, it may constitute an unfair or deceptive business practice.

# # # Requested Action To resolve this matter, I am requesting that XXXX XXXX and XXXX Bank XXXX Delaware immediately : XXXX. **Conduct a proper investigation into the disputed information. ** XXXX. **Provide documentation verifying the accuracy of the information reported. ** XXXX. **Correct or delete the inaccurate information from my credit report. ** XXXX. **Provide a written response confirming the resolution of this dispute within the timeframe mandated by law. ** Failure to comply with these legal obligations may result in legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil litigation for damages. 

Please consider this letter a formal request for correction and an official notice of dispute. I expect a written response within XXXX  days, per XXXX15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **. 
Social security 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 non-monetary relief
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
XXXX : Dispute of Inaccurate Credit Reporting under FCRA and XXXX XXXX I am writing to formally dispute inaccurate and incomplete information that XXXX XXXX and XXXX Bank XXXX Delaware have reported to the credit bureaus regarding my account ( XXXX ). This dispute is made pursuant to the Fair Credit Reporting Upon reviewing my credit report, I have found that both entities have reported inaccurate information that is negatively impacting my creditworthiness. Specifically : XXXX. ** [ Describe the specific inaccurate information, such as account balances, payment history, unauthorized accounts, or fraudulent charges. ] ** XXXX. ** [ Include details regarding how the reporting violates FCRA or USC codes. ] ** # # # Violations of the Fair Credit Reporting Act ( FCRA ) Pursuant to XXXX15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) **, furnishers of credit information are required to report only accurate and complete information. The inaccurate reporting of my account violates this section. 

Additionally, under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, the credit reporting agencies and data furnishers have a legal obligation to investigate and correct any disputed information within XXXX  days of receiving notice. If this inaccurate information is not corrected or removed, you may be in violation of federal law.

# # # Violations of U.S. Code ( USC ) Regulations - **15 U.S.C. 1666 ( Billing Error Resolution ) ** : If the dispute concerns billing errors, this section requires timely investigation and resolution.

- **15 U.S.C. 45 ( Unfair or Deceptive Acts and Practices under the FTC Act ) ** : If the inaccurate reporting is intentional or misleading, it may constitute an unfair or deceptive business practice.

# # # Requested Action To resolve this matter, I am requesting that XXXX XXXX and XXXX Bank XXXX Delaware immediately : XXXX. **Conduct a proper investigation into the disputed information. ** XXXX. **Provide documentation verifying the accuracy of the information reported. ** XXXX. **Correct or delete the inaccurate information from my credit report. ** XXXX. **Provide a written response confirming the resolution of this dispute within the timeframe mandated by law. ** Failure to comply with these legal obligations may result in legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil litigation for damages. 

Please consider this letter a formal request for correction and an official notice of dispute. I expect a written response within XXXX  days, per XXXX15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **. 
Social security XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I am writing to formally report complaint for a debt of { {$XXXX} } that has been falsely reported on my credit report by Credit Collection Svcs. This debt was allegedly sold to a third party and does not belong to me. I have verified my records and found no evidence to support this claim, nor have I received any prior notice, billing, or validation of this debt. I believe this reporting is erroneous and violates the Fair Credit Reporting Act ( FCRA ). Specifically, the issue lies in : Lack of Validation : I was not provided adequate verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Erroneous Reporting : The collection does not correspond to any services I have received or authorized. Improper Sale of Debt : This debt originally was owned by XXXX and was indeed sold to a third party Credit Collection account number XXXX, I was not notified of the transfer, and no valid documentation was provided to substantiate its legitimacy. This false reporting has caused undue harm to my creditworthiness and financial stability. As per FCRA 611 ( a ), I am requesting an immediate investigation into this matter and deletion I received a negative report on credit report from this 3rd party collection agency Ive never done business with this company or never gave them my personal information I believe this company is illegally using my information and breaking the laws under 15 USc 1601

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: DE

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
i have a excused withdrawal which bylaw means my charges were excused but XXXX XXXX XXXX XXXX has sold this debt that they themselves should've known was forgiven to a third party debt collector that gave me a deadline and a letter to my mothers address was sent in the mail i did not receive said letter until after the XXXX and expect that they have finalized putting this falsified debt on my record as my credit report has been impacted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: PA

Complaint narrative:
Kindly ensure the prompt removal and blocking of these unauthorized accounts from my credit report. I did not authorize or recognize these accounts. As stated in USC 1681g, I formally request their removal within the next 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ALL THESE ACCOUNTS ON EQUIFAX WITH STATUS CHARGE OFF OR 120 DAYS OR MORE THAN XXXX PAYMENTS PAST DUE ... .... NEEDS TO BE CHANGED AND UPDATED TO PAYS OR PAYS AS AGREED. 

THESE ACCOUNTS HAVE REPORTED FOR MORE THAN XXXX  YEARS AND NEED TO BE REMOVED ALTOGETHER FROM THE EQUIFAX REPORT AS THEY ARE NOT REPORTING ON XXXX OR XXXX AND HAVE BEEN REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/XXXX, Ive send a email after two attempts calling with Genesis, and havent got any answer yet, Thus, I send this email to see if I can get some help regarding a bill unpaid. 

Before that, I called twice through Genesis, who I was directed to from XXXX XXXX, regarding a balance due XXXX. The lady who answered my phone hang up me when I was asking to send a confirmation letter, but she insist to I should pay right away through the phone payment. 

Here is the brief of the timeline. 

1. Balance due from XXXX notice - Called no one answer the phone 2. Call the XXXX residence, they provide me the number XXXX XXXX XXXX XXXX XXXX. Went to payonline portal XXXX  - noticed that the debt has been transferred to Genesis 3. XXXX XXXXmade two phone calls with the same person asked to pay right away through phone, but hang up when I asked for a proof of final balance to send to email. 
4. XX/XX/XXXX- Send email including all the associate contractor, no reply. 
5. After, I receive a phone call from another debt collector who present them as XXXX XXXX XXXX, the conversation wasnt keep on coz I never received anything associate form this company nor from email. 

Please see all attachment for the reference

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX XXXXXXXX ( XXXX ), is a third-party debt collector who opened an account via Identity theft. XXXX XXXX XXXXXXXX ( XXXX ) did not CONFIRM that there is NO CONTRACT between the " consumer '' and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) responded to CFPB on XX/XX/2025 : There were no contacts with the " consumer '' while the account was in our office. The " consumer '' account has been recalled by our client, the original and current creditor. 

XXXX XXXX XXXXXXXX ( XXXX ) claim that the account was recalled by their client, yet I received another DEBT COLLECTION LETTER dated XX/XX/2025. 

The alleged creditor Synchrony Bank failed to send me XXXX XXXX as per IRS guidelines XXXX So, I e-filed Form XXXX for SYNCHRONY BANK, and it was accepted by IRS on XX/XX/2025 ( see attached redacted Form XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Account Information : Toyota MTR Account Holder Name : XXXX XXXX Account Number : XXXX XXXX Date of Repossession : XX/XX/year> I am writing to formally dispute the inaccurate information reported on my credit report regarding my account with Toyota Motor Credit. I demand immediate action on this matter as the reported repossession and late payments are both erroneous and damaging to my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. The inaccuracies in question are : Repossession : The claim of repossession is completely unfounded. [ Clearly state your reasoning, e.g., the vehicle was never repossessed or was paid off in full. ] Late Payments : The reported late payments are inaccurate. [ Detail the reasons why these payments were timely, e.g., evidence of on-time payments, etc. ] I have attached relevant documentation, including payment records and correspondence with Toyota Motor Credit, to support my claims. I expect these documents to be reviewed thoroughly. Please be aware that the FCRA mandates that you conduct a reasonable investigation into my dispute within 30 days. Failure to do so or failure to correct the inaccuracies will leave me with no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to protect my rights. I expect a prompt response confirming receipt of this letter and detailing the steps you will take to investigate this matter. I will not tolerate any further damage to my credit report caused by these inaccuracies. Thank you for your immediate attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/2024, I was approved for the Delta SkyMiles Gold Credit Card, excited to utilize the XXXX SkyMiles point offer for an upcoming international trip and other planned purchases, including four airline tickets. 
However, despite multiple address verification with American Express through both chat and phone, my card was never successfully delivered. After two delivery attempts, both marked as " no one was home '' despite my being present, I was left without the card. The subsequent customer service interactions with both American Express and Delta were extremely disappointing and provided no satisfactory explanation for the failed deliveries. 

This experience has been profoundly frustrating and emotionally taxing. I feel let down by both companies, as neither offered a reasonable resolution or acknowledged the inconvenience caused. The inability to access the promised benefits of the card was a significant setback. 
Adding to my frustration, upon closing the account, I received no communication regarding my remaining balance. I expected a statement or instructions for payment, but none were provided. Furthermore, I was unable to make a payment as the card was no longer visible in either the American Express or Delta apps. This lack of access and communication created unnecessary complications. 

I am particularly concerned about the lack of notification regarding the failed deliveries and the status of my payment. This entire ordeal has caused significant mental and emotional distress. Despite my efforts to resolve these issues, the poor service, communication failures, and delays have negatively impacted my credit score and caused undue stress. Delta consistently redirected me to American Express, stating they were not responsible for card delivery, despite the offer originating through them. This lack of ownership and the repetitive redirection were extremely frustrating. 

I urge you to take immediate action to address the mental and emotional hardship I have endured, as well as the specific issues I have outlined. The delays, poor customer service, and lack of communication regarding both the card delivery and payment procedures were not my fault, yet I am left to bear the consequences

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Trying to change my cosigner last name they refuse to do that until I refinance called multiple times trying to do this but was met with an answer that should be illegal and is predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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