vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: TX

Complaint narrative:
This is my third CFPB complaint against Zions Debt Holdings regarding a debt they are reporting to XXXX. The account was originally tied to XXXX ( XXXX XXXX XXXX ), and Zions claims to have purchased it in XX/XX/XXXX. However, Zions has failed to provide adequate validation of the debt as required by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The documents they provided include a XXXX Monitoring Agreement with XXXX ( expired in XXXX ), a billing history showing the balance was charged off and reduced to {$0.00} as of XX/XX/XXXX, and a generic invoice generated by Zions in XXXX  with no contract or supporting documentation. They have not provided a signed assignment, bill of sale, or itemized charges establishing legal ownership or accuracy of the {$440.00} they are now attempting to collect. 

Despite this, Zions is reporting the account as opened on XXXXwell after the charge-offwhich constitutes unlawful re-aging under FCRA 623 ( a ) ( 5 ). They continue to update the tradeline without resolving the dispute, violating FCRA 611 and 1681i ( a ) ( 5 ) ( A ). I have disputed the debt at least 10 times and received no documentation that legally obligates me to pay Zions. 

I am requesting deletion of the tradeline from all credit bureaus, as the debt has not been validated and continued reporting is unlawful.

Company public response: Company disputes the facts presented in the complaint
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: Shellpoint Partners, LLC
State: TX

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: 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: MD

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts 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 XXXXXXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Inquiries XXXX  Date XXXX XXXX XXXX XXXX XXXX Date 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 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a formal dispute to all 3 credit bureaus ( TransUnion, XXXX and Experian ) regarding inaccurate and outdated information on my credit report ( specifically concerning XXXX XXXX XXXXXXXX student loan accounts, and XXXX XXXX ). Here is the account information for each item : XXXX Creditor Name XXXX XXXX  Account Type : Installment Student Loan Account Number ( partial ) : XXXX Status : Unpaid Balance Charged Off Balance : {$9700.00} Status as of : XX/XX/XXXX Dispute Submitted : XX/XX/XXXX XXXX XXXX Creditor Name : XXXX XXXX Account Type : Installment Student Loan Account Number ( partial ) : XXXX Status : Placed for Collection Balance : {$28000.00} Status as of : XX/XX/XXXX Dispute Submitted : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( debt buyer for XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX Status : Paid Charge-Off or Collection Balance : {$0.00} Status as of : XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), the credit bureaus have 30 days to verify, update, or remove the disputed items. As of XX/XX/XXXX, I have received no verified results, no account updates on any of my credit reports, and no documentation confirming completion of the investigation. 

TransUnion- TransUnion confirmed receipt of my dispute regarding XXXX XXXX XXXX, and XXXX XXXX on XX/XX/XXXX. XXXX confirmed receipt on XX/XX/XXXX. I called on XX/XX/XXXX and was told that a letter was mailed on XX/XX/XXXX, but no activity is reflected in my file and no communication has been received. If the reinvestigation was completed on XX/XX/XXXX, they are required by law to notify me within 5 business days. As of today, XX/XX/XXXX, they have failed to meet that obligation and continue to report the inaccurate information. 

Experian- I sent in a complaint regarding XXXX XXXX to Experian. Experian acknowledged receipt of the dispute on XX/XX/XXXX and sent notification ( via email ) the dispute had been completed on XX/XX/XXXX. However I did not receive the investigation results or an update on the accounts in question. 

I am requesting that the CFPB take action to ensure TransUnion and Experian deletes the disputed accounts from my file, as required by law, due to failure to verify within the FCRA time limits.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is allowing companies ( XXXX XXXX XXXXXXXX XXXX XXXX ) to place false inaccurate information on my credit report without verifying anything. 
I asked TransUnion to provide me with proof or information of how the unknown account was " verified '' but they refused to do so. 
This violates my consumer rights and cause me financial harm through inaccurate reporting. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Collection Systems, Inc.
State: NC

Complaint narrative:
I was contacted in XXXX regarding an outstanding balance from XXXX XXXX after XXXX XXXX abruptly left a medical practice in XXXX, NC. I was never billed for a final amount, nor was I informed that the follow-up visit I had scheduled with XXXX XXXX was canceled. I was able to contact the billing department at his other office in XXXX, NC and paid the outstanding {$280.00} by phone on the same day, XX/XX/year>. I paid by credit card and have the receipt. Today I was contacted by XXXX  ( https : XXXX ) demanding I pay the outstanding {$280.00} immediately. The person with whom I spoke claimed she couldn't tell that it was already paid, but did give me a phone number for XXXX in billing at XXXX XXXX ( who apparently took over for XXXX  ). I spoke with XXXX XXXX XXXX ) who was able to quickly pull up my account over the phone and confirm the debt was paid in XXXX. XXXX said detailed information is sent to XXXX on a monthly basis, so this should have been updated in the XXXX system in XXXX. Phone calls after XXXX are harassment and they are attempting to collect money that is not owed.

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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I filed a dispute for a transaction involving a scam. I let them know up front that I was involved in the transaction, but I scammed as the website was off by one letter from a legitimate website. XXXX vs. XXXX 

I made a purchase for just over {$380.00} and noticed shortly after that I was charged XXXX. It was clearly a scam website so I contacted capital one. 

They filed a dispute with all these details. I was meant to receive a provisional credit by the XXXX of XXXX which would have been 10 business days. 

On XX/XX/XXXX I received a communication that my dispute claim had a new number. I work in a bank and have a dispute background so I figured this was them moving the dispute from a dispute type that would be applicable if I HAD participated but was scam to one that would ONLY be applicable if I had not participated, but I could not confirm this was true. 

My suspicion was confirmed when shortly after I received an email saying that the claim was denied because I participated in the transaction I Know that I did! 

I called on XX/XX/year> and was told they would reinvestigate but I would have to wait 10-15 days for my credit. They have circumvented the federal 10- day requirement to provide a provisional credit by completing an improper investigation and buying themselves more time. My card has also been cancelled and I have to wait for a new one, which I did not request and should only be applicable if I didnt participate in the transaction. I DID but it was a scam. 

This needs to be addressed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had an account with Chase my small family business, last week I did a XXXX payment I was unaware that I did the XXXX had some issues with Chase bank, moments after that they restricted my account and I was told that theyre going to close my account and they were refund the money after the seven days I found out that they have no intentional refunding me the money they claim that they never hinted me or told me that that is an issue they just want to steal my money I went from one supervisor to hire, but nobody could help me. Please help me get my money back. I need to continue doing business, I have a family of kids. I need to put food on the table and buy them shoes. 

Thank you XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting this complaint to dispute a hard inquiry from XXXX XXXX XXXX XXXX, dated XX/XX/year>, reported by Experian. 

I have no relationship with XXXX XXXX XXXX whatsoever. Ive never applied for credit with them, never opened an account, and never gave them permission to access my credit report. You can clearly see in my credit history that there is absolutely no account or connection with this company. 

This inquiry is not mine, and I do not recognize it. It is unauthorized and inaccurate. Under the Fair Credit Reporting Act ( FCRA ), no one is allowed to access my credit without my explicit consent. This also raises serious concerns under the Truth in Lending Act ( TILA ).

I demand that this hard inquiry be removed from my Experian report immediately. I expect a prompt resolution, as Ive never initiated any interaction with this institution.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a dispute regarding the account in question ; however, there are still inaccuracies and incomplete information appearing on my credit report. I formally request the description of the procedures used to investigate this account. You are required to provide this information within 15 days of receiving this notice. If you are unable to verify the accuracy of the information or do not respond within the required time frame, the disputed accounts must be removed from my credit report. Attached is a copy of my written request for the description of procedures. I look forward to your timely 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 non-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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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: 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because I contacted the original creditor regarding an account on my credit report. I explained that I am fully willing to pay the balance in full in good faith if they would agree to remove the negative late payment history. However, they stated they would take the money but refused to remove the late payments. 

I understand I am responsible for the debt, and I am not disputing the existence of the account. What I am challenging is their refusal to update the account based on a reasonable and mutual resolution. This is damaging my credit despite my efforts to resolve it properly. 

I believe this violates the spirit of the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and not misleading [ 15 U.S. Code 1681s-2 ].

Reporting a derogatory history after full payment without offering any path to rehabilitationdespite my attempt to resolve the mattercan be interpreted as punitive and not in alignment with fair credit practices or the intent of Metro 2 compliance standards.

I am requesting that the CFPB investigate this matter and require the company to either : Remove the late payments after full payment is made, Or stop reporting the negative marks if they are unwilling to work with a consumer making a good faith effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a Target XXXX. I get my statements billed to me monthly so I know when I need to make payments. They changed their payment system and I have not gotten any messages from them since the change occurred. I have paid roughly {$80.00} in debt to them over their own problems. I called and asked about it and they said there was nothing they could do, even though there was a waiving of overdraft fees for the first month that they changed their programs for all XXXX users that I was not aware of until the call had ended. I can not afford these overdraft fees that they wrongfully charged me for. I also want to cancel the card, but its nearly impossible to cancel myself.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Santander reported that on XX/XX/XXXX  an account with a balance of {$10000.00} was opened and I have no knowledge. This violates USC 15 1692 and other civil rights codes. I do not want to have to take this to the point of legal action, please resolve this immediately.

Company response to consumer: Closed with non-monetary relief