vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
I, am issuing this formal complaint and notice of intent to pursue legal action against ABSOLUTE RESOLUTIONS INVESTMENT for multiple violations of federal law, including : The Fair Debt Collection Practices Act ( FDCPA ), The Fair Credit Reporting Act ( FCRA ), and Unauthorized commercial use of my common-law trademark, currently pending with the XXXX under Serial No. XXXX, and lawfully protected under the Lanham Act as an unregistered mark ( ).

The company is attempting to collect a debt for which no contract or agreement exists, and is using my trademarked name ( ) in commerce without consent, which is unlawful. 
I have never entered into any agreement, contract, or financial relationship with the third-party attempting collection.

The company is in violation of : 1. 15 U.S.C. 1692e prohibiting false, deceptive, or misleading representations, including claiming a consumer owes a debt without proof.

2. 15 U.S.C. 1692f prohibiting unfair or unconscionable means of collection.

3. 15 U.S.C. 1692g ( a ) - ( b ) requiring debt validation, including : a contract showing the consumer agreed to the debt.

No contract has been produced, therefore debt collection attempts are unlawful.

15 U.S.C. 1681b ( a ) restricts access to consumer reports and only permits access when : the consumer initiates a credit transaction, there is an existing account, or the consumer gives written permission.

Because none of the above conditions exist, the company had no permissible purpose to : access my credit file, use my personal information, report information about me, or conduct any credit-related activity involving my identity. 
These actions constitute violations of the FCRA. 
My legal name is used in commerce as a common-law trademark, and is filed with the XXXX  under Serial No. XXXX. While not federally registered yet, it is legally protected under the Lanham Act as an unregistered mark ( ). 
The company is using my trademarked name for commercial debt collection activity without authorization, which is unlawful. 
Lanham Act Violations ( Unregistered Trademark ) For unregistered marks, the following laws apply : 15 U.S.C. 1125 ( a ) prohibits false designation of origin, misleading use of a mark, or any unauthorized commercial use likely to cause consumer confusion. 
By using my name in commerce, credit reporting, and collection communications without permission, the company is infringing upon my common-law trademark rights. 
This includes : using my name in financial records, associating my trademark with a debt, attempting to profit from or create obligations tied to my trademarked identity.

FDCPA 15 U.S.C. 1692e, 1692f, 1692g.

FCRA 15 U.S.C. 1681b ( no permissible purpose ) 15 U.S.C. 1681n, 1681o ( civil liability ).

Lanham Act ( Unregistered / Common-Law Mark ) 15 U.S.C. 1125 ( a ) ( unlawful commercial use of a mark ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IN

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off that is appearing on my credit report. This letter is being submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which gives me the right to dispute information on my credit file that I believe to be inaccurate, incomplete, or unverifiable. The account in question is being reported as a charge-off and continues to update monthly, which negatively impacts my credit profile. According to the FCRA, only accurate and verifiable information may be reported. If this account was sold, transferred, or assigned to a debt buyer, the original creditor has accepted compensation for the account balance, meaning the account should no longer be reported as an unpaid charge-off with an outstanding balance. 
XXXX XXXX Balance {$2300.00} - Account Number 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I transferred {$300000.00} from my checking account on XX/XX/XXXX to pay down my line of credit. The bank took my money and refuses to pay down the line of credit. Its now XX/XX/XXXX. 

I transferred {$100000.00} from my checking account on XX/XX/XXXX to pay down my line of credit. The bank took my money and refuses to pay down the line of credit. Its now XX/XX/XXXX. 

This is systemic fraud. The bank funds my line draws the same day theyre requested, then sits on monies to charge additional interest. This has negatively impacted my credit score, ability to obtain financing, eliminated my access to a line of credit that they are contractually obliged to fund and charging me interest that they are not entitled to ; Im sure this isnt an isolated 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 2025-11-19 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am submitting this complaint regarding Wells Fargo Bank for changing my regular checking account to a XXXX account without my knowledge or consent, and then charging me a service fee for this unauthorized change. 

Recently, I discovered that Wells Fargo altered my account type without notifying me, explaining the change, or obtaining my approval. As a result of this action, I was charged service fees that I never agreed to. This is not only unfair but also misleading and potentially deceptive.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I deposited a check with Sunocoat credit union for XXXX check # XXXX after depositing check I was notified by sun coast that my funds would be put on a extended hold via mail that they sent me that said the hold would be removed in XXXX once XXXX came around my login access was restricted and I asked suncoast what was the issue and the claimed they were doing an investigation and couldnt provide much of any details it has now been months since I deposited the check now suncoast is saying the check is fraudulent but XXXX XXXX who the check is from never sent any information stating the check is fraudulent nor did the owner of the check I have also sent suncoast a picture of the check the the owner of the check XXXX XXXX sent to me via email from his bank once I sent them that document they havent provided any update to the account and stated the document was fraudulent but a XXXX XXXX representative was on the phone with suncoast and XXXX XXXX and they stated to suncoast the the check is legitimate and yet suncoast has yet to release my funds and this has been going on for months they money has been deducted from XXXX XXXX account for a months and has been sitting in my account for months but they are claiming fraud without any logical reason when both the paying bank and the owner check has reached out and provided documentation of verifying the check.. I have attached the image of check that was sent via XXXX XXXX showing the check being paid and processed from the account with XXXX XXXX letterhead in the account number part of the complaint is my member # with suncoast not account number unable to see that information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
I have solar panels that are not working and have not worked since they were installed. The company that installed them XXXX XXXX went bankrupt almost immediately after installation. There has been no savings on the electric bill, and the panels have been useless. Goodleap is aware of the thousands of customers in this position with nonworking solar panels, I attempted to contact a consumer lawyer, but they have not gotten back to me. I have also gone over this with the finance company numerous times in an attempt to get the panels up and running. XXXX recently can out to do some work which they are aware of however we do not know if they are working. I have informed Goodleap of everything including my attempts to get things working as they should. Things have become so irate with them I asked them to stop calling considering health issues I've had dealing with these panels. They call every day from various numbers, have locked the box preventing it from being serviced, and harass me with daily text messages. I have forwarded all service records to them showing I am trying to get them working, they say it's not their fault and they want payment. I say it's not my fault either and can not afford to pay {$60000.00} for a product that does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing a complaint against Synchrony Bank ( SYNCB/PPC ) regarding unfair credit reporting practices and the companys refusal to work with me on reasonable resolution options, including goodwill correction or a settlement deletion. 

1. Background on the Account This concerns my SYNCB/PPC account XXXX which : Was closed on XX/XX/year> Continues to show a high balance ( {$1400.00} ) Reports multiple negative marks and missed payments 2. Synchrony Refuses to Offer Any Resolution Options I attempted to resolve the account in a fair and reasonable way by requesting : A goodwill adjustment due to past hardship A pay-for-delete or settlement deletion offer A written settlement arrangement Correction of my legal name Synchrony refuses to provide any written responses, does not provide a valid contact email, and will not discuss any type of resolution that would help repair the inaccurate and harmful credit reporting. 

3. Inaccurate & Unfair Reporting Synchrony continues to : Report negative payment history even after the account was closed Report under a wrong legal name, which increases the chance of mixed files Avoid providing verification that these late payments and balance are accurate Report information that may be incomplete, inaccurate, or unverifiable Under the Fair Credit Reporting Act, furnishers must report information that is accurate, complete, and fully verifiable. Synchrony has failed to meet this standard. 

4. Harm Caused Because Synchrony refuses to correct the reporting or work with me on a settlement deletion, I am suffering : Lower credit scores Difficulty qualifying for housing and credit Ongoing damage from past hardship that Ive attempted to resolve responsibly

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 2025-11-19 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: WI

Complaint narrative:
My XXXX account ending in XXXX has been charged off as of XX/XX/XXXX. This account has repeatedly been updated as charged off every month up to the current year XXXX .Which is a violation of the law. This is an update in the payment history.A charge off can not included an active payment history.This inaccurate information falsely manipulates the statue of limitations. You fail to investigate this account properly.And you're neglect has violated my rights.I am demanding a deletion of the following account from XXXX. Thanks

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 2025-11-19 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 am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$740.00} RentRecoverySolutions Account Number : XXXXXXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$400.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Inquiries : None listed under Experian at this time. 

Positive Accounts : None listed under Experian at this time. 

Late Payments : XXXX Account Number : XXXXXXXX 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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I sent a multitude of letters throughout 2025 requesting verification of this debt. I was sent a copy of a bill for this debt but no verification that it was actually mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am writing to formally dispute certain information on my credit report that was issued by your bureau. According to the report, I have identified discrepancies and inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ), including missing data, incorrect account statuses, and potential data breach violations. I request that these items be thoroughly investigated and corrected as soon as possible. 
Personal Information Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Below are the details of the disputed accounts : Disputed Accounts on Experian Report 1. XXXX BANK XXXX  o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Account Status : Positive o Disputed Information : The account 's payment history is inaccurate, and the reported status should be reviewed for any discrepancies. 
2. XXXX  XXXX BANK XXXX  o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Account Status : Positive o Disputed Information : The account was marked as closed but continues to show as open. Please review for correct reporting. 
3. XXXX XXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Account Status : Negative o Disputed Information : This account is listed under collections but has been paid off. Please investigate the account status. 
4. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Account Status : Negative o Disputed Information : The late payments reported are incorrect. I request a full review and correction of the payment history.

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt that originated from XXXX XXXX Bank. What is troubling is that I have not been provided with debt validation and they seem to be trying to collect the wrong amount. 

I had 2 credit cards issued by XXXX XXXX Bank that was charged off due to illness. The credit limits were between {$600.00} and {$750.00}. 

XXXX is trying to collect {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I.C. SYSTEMS INC. is violating my consumer rights.Collection agency has not provided me with debt validation in accordance with 12 Cfr 1006.34 ( b ) ( 5 ) .But procced to put a collection on my consumer credit report.I have not been given chance to dispute account in accordance with 12 Cfr 1006.34 ( c ) ( 4 ) ( I ) .Collection agency is violating my consumer rights by using false, misleading, misreoresentatiob and deceptive means Collection agency has no authority to furnish any accounts without providing any and all disclosures by Law and they are in clear violation of 12 Cfr 1006.34 ( d ) 15 USC 1681-S2 ( 7 ) ( A ) I am disouting all debts they say I owe .I am revoking all communications with me by emails, calls and chats.I am requesting a purchase agreement of debt between debt collection agency and original debtor.

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