vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: IN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Phone : XXXX Amount : {$4900.00} To Whom It May Concern : This letter is a formal dispute of the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g and 1681i. 

I have recently reviewed my credit report and found this account being reported by Portfolio Recovery Associates. I dispute the validity and ownership of this debt. I am requesting that you verify and provide the following : Proof of the original creditor, including a copy of the original signed contract or agreement bearing my signature. 

Itemized accounting of the total amount being claimed, including the original amount and any interest or fees added. 

Proof of your legal authority to collect this debt, including chain of custody/assignment from the original creditor. 

Details of how you calculated the balance of {$4900.00}. 

Under the FCRA and FDCPA, you are required to cease collection efforts and verify this account. If you can not provide the requested documentation within 30 days, you must : Delete the account from all credit reporting agencies ( XXXX XXXX XXXX  ) ; and Cease all collection activity on this account immediately. 

Please note that any further reporting of this unverified debt to credit bureaus is a violation of federal law. 

This letter is not an acknowledgment or admission of any liability or debt. I am simply exercising my right to request verification and validation of this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — USDA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
Due to your egregious conduct we seek monatery compensation. Pay off existing loan amount and a one time payment of XXXX. XXXX XXXX XXXX dollars to us and fix credit upon doing so we will release Carrington mortgage services of all future obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
In XX/XX/year>, I purchased a one-way airline ticket from XXXX, AZ to XXXX XXXX XXXX XXXX UT using my new Venmo Credit Card , issued by Synchrony Bank . The flight was scheduled to arrive at XXXX XXXX  and was time-sensitive, as I needed to purchase and pick up a vehicle by XXXX XXXX  that day. 

Upon arrival at the airport, I was informed that the flight had been canceled due to staffing issues ( lack of an available pilot ). I was rerouted through XXXX, arriving much later. Due to the delay, I incurred out-of-pocket expenses nearly equivalent to the cost of the original ticket, including a credit card transaction fee and an emergency XXXX ride. 

After failing to get assistance from XXXX XXXX, I initiated a dispute with Synchrony Bank over the phone. I was not given the option to file a dispute online or through the Venmo app. I later discovered that the dispute was incorrectly filed under " Merchandise Not Received '' instead of " Service Not Provided as Agreed. '' I called again and was told that a new dispute would be initiated, but I never received any written or electronic confirmation, nor any documentation acknowledging receipt of my dispute or informing me of the outcome. 

I continued calling weekly to check on the status. I consistently reached offshore customer service representatives who had no clear information and only vague notes. On my most recent call, a U.S.-based representative told me that the dispute was denied because I took the flight, even though the service I received was not what I paid for or agreed to. 

This situation represents multiple violations of the Fair Credit Billing Act ( 15 U.S. Code 1666 ), including : Failing to send a written acknowledgment of my dispute within 30 days.

Failing to complete a reasonable investigation within two billing cycles.

Misrepresenting the dispute category and failing to notify me of the resolution in writing. 

As a result, I have been forced to pay for a service that was not rendered as agreed ; I will do so simply to protect my credit standing. 

I request the CFPB investigate Synchrony Banks failure to comply with federal dispute resolution requirements and compel them to properly resolve the dispute and issue a refund. I also request any statutory penalties that may apply under FCBA be considered.

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 2025-05-22 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts 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 2025-05-22 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts 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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am writing to formally file a complaint regarding an issue I experienced with my Truist Bank debit card and the subsequent handling of a {$36.00} Non-Sufficient Funds ( NSF ) fee. 

In XX/XX/XXXX, I visited the Truist branch on XXXX XXXX in XXXX, Tennessee, where I was issued a temporary debit card. I was informed at the time that a permanent card would be mailed to my current address. As of XX/XX/XXXX, I had not received the permanent card. 

On XX/XX/XXXX, I attempted to deposit funds into my account at the Truist ATM located at XXXX XXXX and XXXX. Despite multiple attempts, the ATM rejected my debit card, treating it as a permanent card and declining the transaction. I took a photo of the error message, which includes a date and timestamp, as documentation. 

The following day, on XX/XX/XXXX, I contacted Truist customer service to request a refund of the resulting {$36.00} NSF fee. I was initially told by the representative that I had already received my XXXX NSF fee reversal for the 24 month time and that no additional refunds could be granted. I then requested to speak with a supervisor. 

I spoke with a supervisor named XXXX, who explained that the temporary card is only valid for 30 days and could not be used beyond that period. I pointed out that the card in my possession has an expiration date of XX/XX/XXXX, and that I had never received the permanent card as promisedtherefore, the issue was due to no fault of my own. 

XXXX transferred me to another representative, who placed me on hold for approximately XXXX minutes before stating that the fee could not be refunded because the bank could not verify a system error. Although she offered to reissue a new debit card and possibly send a XXXX gift card, the \ {$36.00} NSF fee was not reversed.I informed all parties that I have a photo which shows the error message but was told the bank can't accept a photo as proof and that they could not determine a system error. 

I am respectfully requesting that the \ {$36.00} NSF fee be removed from my account, and that it not be categorized as a one-time courtesy. This fee was incurred due to circumstances beyond my control, including the failure to receive my permanent card and the malfunction of the ATM with my temporary card. I consider this a breach of customer service and product reliability, and I would appreciate appropriate remediation. 

I trust Truist values its customers and will take this matter seriously. I request a written response acknowledging this complaint and detailing the resolution.

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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
Falsified Account Information and Non approved reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Attempts to collect a debt that does not belong to me. Please remove from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MS

Complaint narrative:
My information has been In a data breach Over XXXX times And I need my credit clean. This has been going on since XXXX. All credit Bureaus are reporting my information wrong and the accounts have been opening in my name. I need my credit wiped clean.

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 2025-05-22 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: MS

Complaint narrative:
My information has been In a data breach Over five times And I need my credit clean. This has been going on since 2009. All credit Bureaus are reporting my information wrong and the accounts have been opening in my name. I need my credit wiped clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX Date : XX/XX/year> TO : Bank of America Legal Department Bank of America XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX AND XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX Formal Demand for Refund of Fraudulent Charges and Notice of Intent to Pursue Legal Action To Whom It May Concern, I am writing to formally demand the immediate return of funds that were fraudulently withdrawn from my account in connection with unauthorized transactions involving XXXX. I have made every effort to resolve this matter through proper channels and have provided extensive documentation proving I am the victim of identity theft and financial fraud. 

To date, I have taken the following steps : Submitted a formal dispute to Bank of America. 

Provided a police report documenting the fraud. 

Supplied supporting documents, including a credit report indicating fraud. 

Sent multiple written statements explaining the severe financial and health impact of this case. 

Filed ten ( 10 ) complaints with the CFPB regarding Bank of Americas failure to resolve this matter. 

Despite all of this, my dispute continues to be denied without sufficient explanation or resolution. The inaction on the part of Bank of America and XXXX has caused me significant and ongoing harm. 

This letter serves as a final demand for the return of the disputed funds. If I do not receive a full refund or written commitment to resolve this matter within 5 business days, I will pursue further action, including : Filing a claim in small claims court against Bank of America and XXXX. 

Reporting this matter to the Office of the Comptroller of the Currency ( OCC ) and my State Attorney General. 

Considering additional legal remedies for damages related to financial and emotional distress caused by this negligence. 

Please consider this your notice of intent to initiate legal proceedings if this matter is not resolved promptly. 
Sincerely, 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 monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an wrong names reported XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, this is not my name please remove from accout, addresses that I do not live nor can I recieve mail at the following addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX an Charge Card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an Line of Credit account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Charge Card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a Deposit account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Inquiry from XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, and an inquiry from XXXX XXXX XXXX Inquired on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-22 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: CA

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery bought a debt from a credit card company a credit card that was opened fraudulently. This company has harassed me contacting me up to 16 times in a day harassing me to pay a debt that they bought from a credit card company again from a card that was open fraudulently I have already filed with the FTC for identity theft, and have contacted the Major credit reporting agencies as to this

Company response to consumer: Closed with explanation