vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

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 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
During my last dispute the Company Eastern Collection stated that I received correspondence of the debt, and this is not true. I am currently XXXX out of the State, and I have not received anything. I didn't know this account was even in collections as all I received was a random text message which I thought was spam. I continued to pay XXXX directly and this entry to my credit report is not fair reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: SN SERVICING CORPORATION
State: VA

Complaint narrative:
This is XXXX company I've been with since covid. Filed bankruptcy because they foreclosed on me. This company doesn't take calls or answer emails no matter how hard you try to contact them. Bankruptcy ended and now in foreclosure again. Property goes to auction on the XXXX. All counselors have said that they should modify my loan. Tried all throughout year to modify my loan, but again, they do not answer calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, a company I purchased from on XX/XX/XXXX, chose to dispute my claim with BECU. 

I had requested to return an item to XXXX months prior. Their website does XXXX XXXX XXXX XXXX XXXX  state that a return receipt is required for a return to be accepted. After I sent the items back, XXXX informed me that I needed to provide a return receipt. The items were shipped through my workplaces shipping method, which does not issue receipts. 

XXXX ultimately sided with the merchant, leaving me without the product and out XXXX XXXX  {$81.00} XXXX XXXX 

Additionally, the merchant has made unfounded claims that I did not follow their return rules and that I kept the item. These accusations are not supported by any information on their website at the time of purchase, nor do they reflect what occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. Based on the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation of these items due to inaccuracies and potential data breach violations. Below are the accounts that I dispute : Accounts in Dispute : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : Synchrony Bank XXXX Account Status : Positive o Dispute Reason : Inaccurate reporting ; request to change to positive. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : Synchrony Bank XXXX Account Status : Positive o Dispute Reason : Incorrect reporting as negative, should be updated. 
XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Original Creditor : XXXX XXXX Account Status : Positive o Dispute Reason : Incorrect reporting needs to be corrected. 
XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX Account Status XXXX XXXX XXXX Dispute Reason : Incorrect account status, should reflect accurately. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Account Status XXXX XXXX XXXX Dispute Reason : Request correction of negative status. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  Account Status : Positive o Dispute Reason : Correct to positive status. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Status : Negative ( In dispute ) o Dispute Reason : Reported as charge-off when paid. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Account Status : Negative ( In dispute ) o Dispute Reason : Incorrectly reported as unpaid. 
FCRA Violations : Failure to Correct Inaccurate Information : Violations of the FCRA by not correcting errors.

Failure to Complete Investigation within 30 Days : The 30-day window has passed without resolution.

Incomplete or Misleading Reporting : The accounts have incorrect statuses and reporting inaccuracies.

Data Breach : Please review these accounts for any unauthorized access, as they may have been affected by a data breach.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I recently moved and was notified of a lawsuit from Portfolio Recovery, and I no longer live at this apartment and when I went to the management office to inquire about my security deposit and seen that they improperly served me the papers, these papers were pasted on the door with all of my identifying left out including my name, address, how much I owe, my jet blue trueblue statement number etc. listed on there for everyone to see, this was completely embarrassing and unlawful. 

I filed my answer with the court in XXXX and I was given a court date. After this, I did not expect to be contacted by this collection agency, however the calls persisted. I finally answered on XX/XX/year> and the person on the other end asked to speak with me ( stated my name ) and the NEW address I currently reside ( which indicates that they knew that I moved ) and still served me papers to an incorrect address anyway. 
I informed them that I wish to not be contacted about this debt and to for them to let the courts handle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate, incomplete, or unverifiable items that need to be reviewed and corrected. 

1. Charged Off Disputed The following accounts are incorrectly reported : DPEDXXXX Acct # : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$20000.00} DPEDXXXX Acct # : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$6000.00} DPEDXXXX, Acct # : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$3700.00} DPEDXXXX Acct # : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$6300.00} DPEDXXXX Acct # : XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$3600.00} DPEDXXXX, Acct # : XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$5200.00} DPEDXXXX, Acct # : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$8600.00} DPEDXXXX, Acct # : XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$240.00} DPEDXXXX Acct # : XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$2700.00} DPEDXXXX Acct # : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$9500.00} DPEDXXXX, Acct # : XXXXXXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$3400.00} DPEDXXXX Acct # : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$36000.00} DPEDXXXX Acct # : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$26000.00} DPEDXXXX Acct # : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$13000.00} DPEDXXXX, Acct # : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$8700.00} XXXX, Acct # : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX, Acct # : XXXX XXXX XXXX  Date Open : XX/XX/XXXX, Balance : $ XXXX XXXX XXXX XXXX, Acct # : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$30000.00} XXXX XXXX XXXX Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$25000.00} 2. Inquiries Disputed The following inquiries were made without my consent and should be removed : XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX 3. Positive Accounts There are no issues with positive accounts at this time. 

4. Late Payment Disputed XXXX, Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # : 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 2025-11-18 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:
I am submitting this filing to address multiple issues concerning my credit report as reported by the three major credit bureaus. The following accounts are in dispute, and I am requesting an investigation and correction of the reported inaccuracies. 

Charged Off Accounts XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX Balance : {$2200.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX Balance : {$510.00} Inquiries XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX Late Payment XXXX XXXX XXXX Account Number XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX CVNGTNCRED - XXXXXXXX XXXX XXXX XXXX XXXX XXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Please see attachment for CEASE AND DESIST, and my identification documents to verify my identity such as my drivers license and a copy of my utility bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I submitted an online application for the Citi AAdvantage Globe Mastercard in XXXX XXXX. I received a letter from Citi dated XX/XX/year>, stating that my application was denied because " Your credit report shows insufficient credit history ''. On XX/XX/year>, I made multiple phone calls to Citi to try to speak to a human instead of a recorded line in order to find out why their computer system came to this conclusion and to ask them to review my application manually. I was finally able to speak to a Senior Credit Specialist who told me that my " credit age by month was too short ''. However, this person was unable to offer me any help in getting my application reviewed manually. They said I need to write to Citi 's Executive Review Department, which I will definitely do. Citi used my credit report from XXXX. I reviewed my XXXX  credit report. The report appears correct to me. I have no issue with my credit report. I think my credit is exceptional. I have a XXXX score above XXXX, a credit history of over 36 years, and an average account age of over 15 years. How can this possibly be " insufficient credit history ''? I think the Citi computer system was in error when processing my application.

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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am filing a new complaint because I have proof that XXXX XXXX XXXX XXXX are attempting to collect a debt that was already paid in full during my mortgage refinance. 

1. Cashed check for {$990.00} issued by XXXX XXXX XXXX escrow to Comenity Bank/My Place Rewards Check dated XX/XX/XXXX Posted XX/XX/XXXX 2. Refinance Settlement Disclosure showing payoff to Comenity Bank/My Place Rewards 3 . Account listing in the refinance documents showing the exact Comenity/My Place Rewards account ( ending in 5626 ) with a balance of {$990.00} included in the refinance payoff. 

Resurgent claimed my documents were not sufficient, but provided zero validation, no itemized statements, no proof of ownership, and no explanation. Their response does not meet the requirements of the FDCPA. 

The account was already paid. 

Trying to collect it is illegal. 

This is a violation of : FDCPA 807 ( 2 ) ( A ) false representation of debt FDCPA 807 ( 10 ) deceptive collection practices FDCPA 809 ( b ) failure to provide proper validation FCRA inaccurate reporting risk Illinois Consumer Fraud Act I am requesting CFPB intervention to require : 1. Permanent closure of the account with a {$0.00} balance 2. A written letter from XXXX confirming the debt will not be sold again 3. Internal correction with Comenity Bank since they incorrectly sold a paid account 4. Immediate stop to all collection activity I am attaching all proof, including the cashed check, payoff sheet, and settlement disclosur

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am filing a complaint regarding a debt that is being wrongfully pursued against me. The original creditor is XXXX XXXX XXXX, and the collection agency is Columbia Debt Recovery LLC. I do not owe this debt. I have documentation showing a {$0.00} balance and that all charges were paid. Not only do I not owe this debt, but the final account balance indicates a refund due to me, which was deposited to my checking account. Despite this, the collection agency has contacted me and is attempting to collect a debt that is not valid. Additionally, I was not contacted by XXXX & XXXX regarding a debt before being contacted by Columbia Debt Recovery LLC. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ). I have disputed the debt directly with the collector and creditor and requested validation. They have not responded to my proof of debt not being owed. This wrongful collection attempt has caused stress, wasted time, and potential credit harm. I am requesting the CFPBs assistance in having the collector stop all collection activity and remove any negative credit reporting associated with this matter. I am also requesting the agency ensure that the collector complies with all debt collection laws, including proper validation and cessation of collection activities on disputed debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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