vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management XXXX. XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern, This letter is being sent in accordance with FCRA 611 ( A ) and the Fair Debt Collection Practices Act ( FDCPA ). I am formally disputing the accuracy and completeness of a collection account reported on my credit file. I request proper validation of the alleged debt.

Please provide : A copy of the original agreement or contract bearing my signature A full itemized accounting of the debt Proof that you are authorized to collect on behalf of the original creditor If you are unable to validate this account as required under FCRA 609 ( A ) ( 1 ) and FDCPA 809 ( b ), you must cease all collection activity and remove the item from all consumer reporting agencies. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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 request the removal of this XXXX XXXX account from my credit history. I was listed only as an authorized user and am not, nor have I ever been, financially responsible for this debt. Under the law, authorized users are not responsible for the payments or the credit history associated with the account. This information is incorrectly affecting my report. The account owner made many late payments and also closed the account, negatively impacting my credit history. I respectfully request that it be removed from my credit report. Thank you very much. 

Date opened : XX/XX/XXXX Date last active : XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I request the removal of this XXXX XXXX account from my credit history. I was listed only as an authorized user and am not, nor have I ever been, financially responsible for this debt. Under the law, authorized users are not responsible for the payments or the credit history associated with the account. This information is incorrectly affecting my report. The account owner made many late payments and also closed the account, negatively impacting my credit history. I respectfully request that it be removed from my credit report. Thank you very much. 

Date opened : XX/XX/XXXX Date last active : XX/XX/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 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including Financial Aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute two unauthorized hard inquiries that appear on my TransUnion credit report.

I did not authorize these entities to access my credit report, nor did I initiate any transaction that would permit them to do so. Under 15 U.S.C. 1681b ( c ), hard inquiries require express written consent, which I never provided.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
A dispute with filed with Equifax on XX/XX/2025 because they are reporting the wrong balance information on my credit report for the XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and for the XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This is hurting me with applying for a new home because it appears my utilization is extremely high when it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony is a credit collection company that is in partnership with Lowes credit cards. After paying thousands of dollars to this company for my Lowes Credit Card, and still having a high payment due, I became aware this company was allowing part of my payments go to a 3rd party company I was never aware of. Synchrony also threatened to charge me fees for not having a charge paid off. I explained to them that this charge wouldve been completely paid off at. They did not sent part of my payments to a third-party company that I did not know about. I am also working with the third-party company to get my refund and I told them that and supplied them with confirmation numbers supporting that. Synchrony used fear, mongering tactics to tell me that if I did not pay that they would not be able to help me in the future when I got my money back. I had the phone call recorded because at this point, I realized that they were not being a truthful accountable company. I feel that I was being abused as a consumer. Synchrony, Lowes, & this other company that Im not even fully aware of the name that my payments have been sent to for some kind of card protection processing, are working together to take money from consumers in hope they were ask questions about all their secret fees.

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 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CT

Complaint narrative:
XX/XX/year> and XX/XX/year> disputed item from jefferson capital for the amount of {$1900.00} for a XXXX bill that is not mine it came off of the other XXXX and XXXX but this is the second time for XXXX and thet insist that its me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In the context of real estate property, " code 99 Heirs '' does not represent a standard or universally recognized term. It's highly likely to be a company-specific internal code or a designation used within a particular title company or legal practice. 
Here 's why and what it might possibly refer to : * Not a Standard Industry Term : There isn't a common term or code " 99 Heirs '' used across the real estate or title insurance industries to broadly define a type of heir or property situation.

* Company-Specific Codes : Title companies and legal firms often use internal coding systems to categorize different types of transactions, endorsements, or potential issues. " Code 99 Heirs '' could be one such internal designation.

* Possible Interpretations ( Without Knowing the Specific Company ) : If this code is indeed used by a specific entity, it could potentially relate to : * A specific type of heir : Perhaps it identifies a particular class of heirs ( e.g., distant relatives, out-of-state heirs, etc. ). 
* A specific issue related to heirs : It might flag a common problem or scenario encountered when dealing with properties involving multiple heirs. 
* A particular process or step : It could indicate a specific stage in the title clearance process when dealing with inheritance. 
* A specific endorsement or coverage : While " T-99 '' in Texas refers to a pre-foreclosure endorsement, " code 99 '' ( without the " T- '' ) might be a different, company-specific endorsement related to risks involving heirs. 
To understand the meaning of " code 99 Heirs, '' we would need to know the specific company or context in which you encountered this designation. Without that information, it's impossible to provide a definitive explanation from Bank of America NA or BofA XXXX XXXX XXXX XXXX XXXX  If either one these companies encountered this code in a document from a specific title company or legal firm, our best course of action is to contact that entity directly and inquire about the meaning of their internal code " 99 Heirs. " XXXX XXXX is the party most likely is involved with a REIT Property control number assigneXXXX 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 2025-04-27 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX 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 non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion Rental Screening Solutions ( TURSS ) provided inaccurate information in a tenant screening report that resulted in the denial of my rental application. Despite my attempts to dispute the errors, TURSS failed to correct the inaccuracies in a timely and proper manner, causing financial harm and emotional distress.

Because of this inaccurate report, my rental application was denied, causing me to lose the opportunity to secure housing. 

Their negligence has caused me significant hardship, including extended housing instability, additional application fees, emotional distress.

Laws Violated : Failure to ensure maximum possible accuracy under FCRA 607 ( b ) Failure to conduct a reasonable reinvestigation under FCRA 611 Providing inaccurate consumer information resulting in harm

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 2025-04-27 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
A man who claimed hes from HSBC bank called me and stated that I opened a credit card on XX/XX/year> in Virginia ( a state in which I have not been to in over 10 years or live in ) and that I used it to purchase fire arms. He gave me the last XXXX digits of the card which matched none of the cards I have. They stated since I tried to use this card to purchase firearms in mass quantities that I am going to be reported to the government for XXXX and all my cards are going to be shut down. 

I have never heard of this bank or have even banked with this bank. I do not see any cards from this bank under my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-27 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:
I have some thing not my on my credit report, please delete for me XXXX ) XXXX XXXX XXXX open XX/XX/year> 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 2025-04-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have some thing not my on my credit report, please delete for me XXXX ) XXXX XXXX XXXX open XX/XX/year> XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a capital one credit card that's a reward with bjs wholesales club, my old bjs membership has expired and I try to get them to transfer the reward to my new membership card as I was told my capital one bank it's not a problem. I changed my name when I obtained my citizenship and was told my old name is this one the bjs credit card, capital one bank give me information on how to changed my name on all of my capital one credit cards, this was updated for weeks now. I notice when I got my new credit cards bjs credit card still have my old membership number, I called in again this time with a capital one representative on XXXX ways call with bjs credit card service I was told this was taken care. XXXX weeks later i got a new card from capital one bank bks credit card with the same old membership number, following this an email from bjs capital one bank saying I can not changed or add membership number because it's under a different name, whoever the new card have my updated name. I can't access my rewards to redeem them and I'm just going in circles with bjs and capital one bank. I'm not getting whats being promised to me. I sign a contract with them that I will get certain percent when using my card and this is not happening. If I am late on my payment they will charged me late fee because that's what the agreement i sign said, so why not give me my rewards as we agree?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I am filing this complaint regarding a billing dispute that was mishandled by American Express. 

I was charged {$1500.00} and {$900.00} ( XXXX separate purchases ) by XXXX XXXX for goods and services that were not provided. Specifically, I purchased XXXX XXXX gift certificate credits during my visit. However, I was never given or able to use these credits, meaning a significant portion of the transaction involved goods that were never delivered. 

I filed a dispute with Amex based on non-receipt of goods/services, which is a valid basis under the Fair Credit Billing Act ( FCBA ). However, my dispute was denied solely because I had signed an authorization form at the club. Signing a form does not negate the merchants responsibility to deliver the purchased goods. 

I submitted a sworn statement to the credit card company explaining that the XXXX XXXX credits were never provided to me, but the credit card company refused to properly investigate this issue or consider the merchants failure to deliver the purchased items. 

I am requesting that Amex re-investigate the dispute properly, taking into account the non-receipt of goods/services, and issue a refund for the portion of the charge related to the undelivered XXXX Roses credits. 

Supporting documentation ( receipt, dispute statement ) can be provided if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
XX/XX/XXXX TILL XX/XX/XXXX OVER XXXX in payments were taken in by American Express for Fraudulent Amex accounts that were applied for and opened by unauthorized persons with no knowledge to me and with the no form of consent to American Express nor to the Persons using my PII to pose as me an assume financial credit with their own Amex credit card accounts as PRIMARY CONTACT AND DECISION MAKER BUT ME REMAINING THE PRIMARY FINANCIAL RESPONSIBLE PERSON. THE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: CA

Complaint narrative:
I had a former room mate that used my credit info and personal info to open accounts that are not mine. I want to remove these things from my credit because they are not mine. Please do the dispute the right way, dont ignore the dispute like the CFPB lawsuit said you guys do. I am happy to add my name to the lawsuit from the CFPB if this isnt handled correctly. Thank you.

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 2025-04-27 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Letter to the FTC : I am writing to formally notify the FTC of a serious breach of my personal information and to seek immediate intervention regarding the errors and compromised data present in my credit report maintained byXX/XX/XXXX As you are aware, there have been highly publicized data breaches affecting all XXXX major credit bureaus. I have verified that my own information was among the data compromised.

Consequently, inaccuracies and fraudulent accounts gave appeared on my credit reports, resulting in harm to my financial standing and personal security. Pursuant to the FCRA, specifically 15 USC 1681s-2, furnishers of information are obligated to provide accurate data and correct any inaccuracies once notified. They have failed to adequately address and correct the erroneous and fraudulent data associated with my file. I need the FTC to exercise its authority and assist in ensuring that the credit agencies comply with their legal responsibilities. Enforce protection for breach

Company response to consumer: Closed with explanation