vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
I am disputing the collection account being reported by CKS Prime Investments. I requested full debt validation including a copy of the original signed agreement, a complete payment history, and proof of legal ownership of the debt. CKS Prime failed to provide proper verification within the time allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

This account is now reporting on my credit report without validation, which violates my rights under federal law. I never agreed to any debt with this agency, and they have not proven that I owe the amount being reported. The balance and status are inaccurate, and they have not provided any documentation to support their claim. 

I request that this account be removed from my credit report immediately due to failure to validate and non-compliance with FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
Please help me, I have attached supporting correspondence.

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 2025-04-03 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
In XXXX I noticed a charge on my account from XXXX that I did not authorize. I reached out to my bank, XXXX, and reported it. They put a stop on my card and sent a new card and stated that company would not be allowed to access my account again. They allowed it. XXXX  allowed a compromise to my account and allowed XXXX to access my money again and they took money out again. I reached out again and their only solution is to, once again, send a new debit card. This is very inconvenient for me to have to keep putting a stop on my cards and waiting on new cards. I want something done about them compromising the security of my account/money. They have allowed over {$200.00} to be accessed from my account even after me informing them these were not authorized

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-03 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: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-04-03 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: IL

Complaint narrative:
We ordered a bed from XXXX XXXX XXXX on XX/XX/year> for {$7600.00} using a Synchrony XXXX XXXX The company sent the wrong bed, We contacted the company and they told us that we had to keep the bed that they sent. We filed a timely billing error disoute with Synchrony Bank on XX/XX/year>. Synchrony Bank 's response to the dispute did NOT address the non-delivery of the actual item that we ordered. Further defective items were received, Therefore, we rejected the entire order, pursuant to the XXXX XXXX of XXXX ( XXXX ) due to non-perfect tender of goods. We requested that the company retrieve the bed that we did NOT order but they never did. The company and Synchrony Bank still refused to issue a refund. Synchrony Bank has NOT addressed the non-receipt of goods. Synchrony Bank now seeks to sue us to make us pay for merchandise that we did NOT order. Synchrony Bank has also caused negative reporting about me to CRAs. I have followed the FTC 's rules that customers can not be forced to pay for merchandise that they did NOT order.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with [ Experian Information Solutions Inc. ] due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : 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 ] Creditor 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 Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure 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 2025-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I formally disputed a {$2200.00} medical debt reported by First Federal Credit Control ( FFCC ) to XXXX for " XXXX XXXX XXXX XXXX '' which stemmed from a single hospitalization at XXXX XXXX that is still under active insurance review. I never received an itemized bill, and my insurance provider has confirmed the claim is pending due to missing information from the hospital. I followed up again on XX/XX/XXXX, after receiving no validation or response, and the debt remains on my credit report without being marked as disputed, in violation of the FDCPA and FCRA. Despite multiple written requests, FFCC has failed to validate the debt, acknowledge the dispute, or remove the inaccurate credit 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 2025-04-03 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:
XXXX XXXX, XXXX. XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15U.S.C. 1681 c-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 consist of XXXX personal credit card XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ). XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ) these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report I've attached a list of the hard inquires in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. i have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquires 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 2025-04-03 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account with XXXX XXXX opened on XX/XX/XXXX, a loan account with XXXX XXXX XXXXXXXX opened XXXX XX/XX/XXXX, a credit card account with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, a loan account with XXXXXXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXXXXXX opened on XX/XX/XXXX, a credit card account with XXXX opened on XX/XX/XXXX , a financial loan account with XXXX XXXX XXXX  opened on XX/XX/XXXX , a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX another collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
I had opened a account with us bank for a business account. My first payment came it and they immediately locked me out of the account. Went into a local branch and was unable to receive my money. I need this to make payments and there not telling me anything.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding an account that is currently being reporting negatively on my Experian credit report. I believe this entry violates my rights under the Fair Credit Reporting Act ( FCRA ) and request that the account be removed from my credit report. I have disputed this directly with the credit bureau and the furnisher, however this information remains on my credit report without proper validation or documentation. Neither have provided sufficient evidence to support the negative reporting. 

Upon reviewing my credit report, I noticed that the XXXX XXXX account is being reported as " CHARGED OFF '' with a balance. However, I believe that this account does not meet the proper criteria for reporting as charged off under the FCRA and other applicable federal regulations. Under the Fair Credit Reporting Act, I am entitled to dispute any inaccuracies or outdated information that negatively impacts my credit report. It is my understanding that accounts reported as " charged off '' must be removed or updated after XXXX years from the date of the first delinquency. If the reported date is inaccurate, or the account is not accurately reflecting the payment history, I have the right to request its removal. Therefore, I request that this charged-off account be investigated and removed from my credit report as it does not comply with federal regulations governing fair and accurate credit reporting. 

Supporting Information : I have attached a copy of my credit report highlighting the XXXX XXXX account in question. The information is not reporting accurate dates, payments reported, and balance. There is no reported payment history for any amount of time the account was open showing monthly payments or balances. 

I respectfully ask that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX XXXX is complying with the FCRA and other relevant laws. Please confirm that this account has been removed or appropriately updated from my credit report. Thank you for your time and attention to this matter. I look forward to your prompt resolution and response.

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 2025-04-03 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: IN

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-04-03 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
called and spoke to representatives/no actions given

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