vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
Within the past 15 days, a debt from XXXX XXXX XXXX XXXX has appeared on my credit report. This debt is not mine, and I have never had any account with XXXX XXXX XXXX or XXXX XXXX XXXX XXXX at any point in my adult life. 

The collection agency listed is Sunrise Credit Services XXXX, NY XXXX, ( XXXX ) XXXX and they have reported that I have been in collections since XX/XX/scrub> 2024. However, this account only recently appeared on my credit report. I have never received any prior communication from XXXX XXXX XXXX XXXX or Sunrise Credit Services regarding this debt. 

I took the initiative to contact Sunrise Credit Services directly, but they failed to provide any documentation or proof of the debt. Their only response was that XXXX XXXX XXXX XXXX claims it belongs to me. Rather than assist with verification, they attempted to pressure me into a settlement agreement for a debt I do not owe.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Around XXXX I opened two accounts ( savings and money market ) with Synchrony Bank after I was told by their customer service that they had XXXX. After I had done over {$5000.00} in transfers to Synchrony, I was told that they do not have XXXX and that transfers from Synchrony can take up to 7 days. 

Last week, I decided to transfer my money back to XXXX and XXXX XXXX. I made numerous calls to Synchrony and was assured that by XX/XX/year>XXXX  my money would be transfer. I have checked XXXX and XXXX XXXX  and the money is not there since it is now XX/XX/year>. I am finding extremely difficult to reach anyone at Synchrony. I also have have sent numerous emails and their customer service leaves much to be desired. 

The money was withdrawn from the Synchrony accounts on XX/XX/year>. I am attaching pertinent documents that are facts to this case.

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 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I was contacted by these collection companies about multiple debts that I am not aware of and do not owe. I sent a dispute letter asking for the debts to be verified as I have the right under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ] to dispute any inaccurate, incomplete, or unverified information listed on my credit report.

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 2025-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Dear PayPal Support, I am writing to express my concern and frustration regarding a recent transaction and the handling of my case. 
I purchased an item through PayPal, but unfortunately, it never arrived. I attempted to contact the seller directly via email and phone, but received no response. In fact, the phone number listed appeared to be inoperable, which led me to believe the business may be a scam. 
I communicated all of this to your escalation team over the phone. At that time, I was told that I DID NOT need to take any further action and that PayPal would follow up with me after allowing the seller some time to respond. I trusted that the matter was being handled. 
However, to my surprise, I later received an email stating that my case had been closeddespite being assured earlier that I wouldnt need to do anything further and that PayPal would be in contact with me on any & all updates. During this period, I continued trying to reach the seller with no success. 
I am disappointed in the way this situation has been managed and concerned about the legitimacy of the seller. I also asked whether PayPal lets businesses as this use their platform without investigating if the company has raised any red flags as being a fraudulent business. 
I kindly request that my case be re-evaluated, and that appropriate action be taken against the seller if they are indeed operating fraudulently. 
Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Penfed was contacted on several occasions requesting matters of dispute regarding XXXX services that i did not authorize or either trying out a subscription here and there. I contacted Penfed on XX/XX/year> to dispute charges about XXXX, XXXX, XXXX XXXX and XXXX or XXXX charges from whois. I have been in contact with all partied referenced and was clear that i didnt want or authorize their services to pay for subscriptions. I would cancel well before trial period is set to end. I have documented correspondence to support claims. I had even called Penfed because i couldnt find my debit card to only find it later leaving me disappointed with the level of service i have been receiving from Penfed. The only rational conclusion as to why they ignored me to simply allowing these transactions month after month with my request to dispute was either initiated or never even started. I see where XXXX today has charged me for a free trial that isnt supposed to charge until XXXX days later if not cancelled. Now here again, Penfed has stopped sending notifications, ignored my dispute about these charges and i even had to repeatedly call about a {$30.00} overdraft that i placed stop pay on. I feel this credit union is extremely XXXX to provide unfair treatment. As this XXXX XXXX market certain bankers for " certain things ''. It appears to me that XXXX XXXX are excluded from Penfed having to honor what is promised in their terms and conditions policies. Or maybe they are not reprimanded for offering fair opportunities to its communities as they pretend. Im on a fixed income, i have raised the issue especially about XXXX. Penfed refuses to allow me a fair dispute.

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 2025-04-08 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$810.00} - Charge Off XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$870.00} - Charge Off XXXX XXXX XXXX XXXX XX/XX/XXXX {$40.00} - Charge Off XXXX XXXX XXXX XXXX XXXX, XXXX {$840.00} - Colection XXXX XXXX XXXX XXXX XX/XX/XXXX {$470.00} - Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$720.00} Collection Inquiries included in dispute : XXXXXXXX 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 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 2025-04-08 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: LA

Complaint narrative:
On XX/XX/XXXX I had a deposit from social security in the amount of {$1100.00} and to my NetSpend account which had a negative balance of {$190.00} and left me with a balance of {$940.00} there were XXXX transactions in the amount of {$76.00} {$14.00} and {$8.00} which left me a balance of {$840.00} on XX/XX/XXXX my account was closed they then proceed to forward the remaining funds to social security or the treasury department on XX/XX/XXXX with the trace numbers provided for XXXX it stated that the funds were sent to a facility in XXXX XXXX  with no physical address and received by someone by the name of XXXX social security has not received this payment to be returned to me and I would like it to be investigated

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-08 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: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Experian, Equifax, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX Enclosed : copy of ID

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 2025-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have re eived the below email XXXX separate times from XXXX. They have given no rationale why my account is being closed. I can not get a hold of anyone there and I am unable to withdraw funds that I had previously deposited. 


" Hi XXXX, Good day! This is XXXX, a member of XXXX XXXX XXXX. 

At this time, we can no longer maintain your XXXX account. This determination is based on the review of your account including any documents you may have provided as of XX/XX/year>. 


We reserve the right to close accounts in our terms and conditions. 


If eligible, all funds will be returned to either the accounts that deposited the funds or a linked bank account. Youll receive email alerts as these transfers are processed. It may take up to XXXX business days to complete this process. Please keep in mind, certain situations may take longer. 


Thank you for your understanding. 


Sincerely, Emmalie Case ID : XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Inaccurate Charge Off Accounts ( EX ) Company Name : XXXX XXXX XXXX XXXX - Reporting Balance : {$1200.00} - Credit Limit - {$1000.00} Company Name : XXXXXXXX XXXX - Reporting Balance : {$4200.00} - Credit Limit : {$4200.00} Company Name : XXXXXXXX XXXX - No Reporting Balance - Credit Limit : {$2000.00} My Experian credit report contains serious errors that should have never been reported. This repeated negligence raises concerns about the reliability of your verification process. These inaccuracies are not just numbers on a reportthey are directly harming my financial well-being. I refuse to let this negligence go unchallenged. 

Under the FCRA, every piece of information on my report must be 100 % accurate and backed by legitimate documentation. If these errors can not be verified with concrete, original records, they must be deleted immediately. I demand a thorough reinvestigation and expect an immediate resolution. Any further delay or refusal to comply will be considered a willful violation of my consumer rights.

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 2025-04-08 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-08 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: WI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX XXXX XXXX XXXX XXXX XXXX, WI, XXXX XXXX River XXXX XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Charge-off XX/XX/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/ClosedXX/XX/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XX/XX/XXXX ( Original Creditor : XX/XX/XXXXXXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$2000.00} XX/XX/XXXX ( Original Creditor :XX/XX/XXXX) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1600.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$990.00} Collection XXXX XXXX Date Opened XX/XX/XXXX Balance : {$98.00} Collection XXXXXX/XX/XXXXXXXX ( Original Creditor : XX/XX/XXXX) XXXX Date Opened XX/XX/XXXX Balance : {$2200.00} Collection Inquiries in Dispute :XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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