vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: Alorica Inc.
State: FL

Complaint narrative:
Im filing a formal complaint against Systems & Services Technologies , Inc. ( SST ) regarding a loan originally issued by XXXX and funded by XXXX XXXXXXXX XXXX I disputed this account previously, and SST responded that they had no record of me. However, they later submitted detailed payment records, loan history, and charge-off data through the CFPB portal, which proves they had access to my account all along. 

Their response contradicts their earlier statement, showing a failure to properly reinvestigate the dispute as required under FCRA 15 U.S.C. 1681i. If they had no information, they had no right to respond with detailed records and continue reporting the account. Additionally, the tradeline has appeared under multiple names ( XXXX, XXXX XXXX XXXX SST ) with inconsistent data across credit bureaus. 
Their actions have directly harmed my credit profile, delaying my approval for critical financial tools, including credit cards, business funding, and high-limit tradelines. This mishandling has led to score damage, limited credit options, and emotional distress, especially since I had to invest time and resources into fixing something they misrepresented. 

This is a clear pattern of negligent and harmful reporting. I am demanding IMMEDIATE deletion of this tradeline across ALL bureaus. If unresolved, I WILL escalate through legal and regulatory channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Costello Sury & Rooney, P.C.
State: IL

Complaint narrative:
This law firm is in violation of the Federal bankruptcy rules. I filed for bankruptcy protection under XXXX  XXXX on XX/XX/year>. The law firm was notified about the bankruptcy by my attorney and me on XX/XX/year> and I asked them in my email if they had any questions to please contact my attorney. I had an open HOA eviction case that was closed on XX/XX/XXXX. On XX/XX/year>, a process server was sent to my house to serve me with court papers. The process server was screaming at the top of her lungs my name and my personal information. Stating that she sees my car outside and that she is going to tell the attorney 's what car I am driving. They will catch me soon enough. Even if I was going to open the door, I would never for someone screaming like a psycho outside of my house. I rechecked online and the case IS CLOSED, so I am not sure what they are trying to accomplish by continuing to harass me. I have been told by my attorney that all collection activities should cease with the bankruptcy in place, but they clearly have not.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
b'TransunionXXXX XXXX XXXX: This account is listed on my credit report and is inaccurate. I have no knowledge of this account and believe it may have been reported in error.  XXXX XXXX XXXX XXXX XXXX  This account is incorrect. I do not recognize this account, and I request a thorough investigation into its legitimacy. XXXX XXXX XXXX: This account is disputed as well. Please investigate its validity and remove it if it is found to be erroneous. XXXX XXXXExperianXXXX XXXX XXXX XXXX This account is incorrect. I do not recognize this account, and I request a thorough investigation into its legitimacy. XXXX XXXX XXXX: This account is disputed as well. Please investigate its validity and remove it if it is found to be erroneous.  XXXX XXXXEquifaxXXXX XXXX XXXX XXXX  This account is incorrect. I do not recognize this account, and I request a thorough investigation into its legitimacy. XXXX XXXX XXXX This account is disputed as well. Please investigate its validity and remove it if it is found to be erroneousXXXX XXXX XXXX XXXX XXXX  Solutions: This account is incorrect. I do not recognize this account, and I request a thorough investigation into its legitimacyXXXX XXXX XXXX XXXX: This account is disputed as well. Please investigate its validity and remove it if it is found to be erroneous.  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 2025-05-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I need this removed from my credit immediately. 

Debt collector name is Jefferson Capital System LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
ATTENTION : Credit Card Dispute Department Subject : Formal Dispute and Request for Removal Business Account in My Name Dear Credit Card Dispute Dept I am writing to formally dispute the account associated with XXXX, currently being reported under my personal credit profile. This credit card account belongs to a business, XXXX not to me personally. I was employed as the XXXX XXXX at the time, but I was not financially liable for the account. 

I respectfully request the removal of the address XXXX XXXX XXXX XXXX from my credit file. I have never resided at this location, as it was merely my workplace during my tenure with the company. The business has since permanently closed, and all employees, including myself, were laid off. Please see the attached documentation verifying this. 

I am also disputing the balance and responsibility for the above-mentioned account, which rightfully belongs to a company, XXXX. I kindly request the complete removal of this account from my personal credit report. 

Please be advised that I have submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) FCBA and am working with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to take further legal action against XXXX XXXX Services if necessary. 

This situation is creating significant hardship for me and my family. Despite maintaining a flawless payment history for over XXXX years, my credit score has dropped from XXXX to XXXX due to this issue. I have not had any association with the business or its location since XX/XX/year>. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this dispute. 

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 2025-05-17 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:
ATTENTION : Credit Card Dispute Department Subject : Formal Dispute and Request for Removal Business Account in My Name Dear Credit Card Dispute Dept I am writing to formally dispute the account associated with XXXX, currently being reported under my personal credit profile. This credit card account belongs to a business, XXXX not to me personally. I was employed as the XXXX XXXX at the time, but I was not financially liable for the account. 

I respectfully request the removal of the address XXXX XXXX XXXX XXXX  from my credit file. I have never resided at this location, as it was merely my workplace during my tenure with the company. The business has since permanently closed, and all employees, including myself, were laid off. Please see the attached documentation verifying this. 

I am also disputing the balance and responsibility for the above-mentioned account, which rightfully belongs to a company, XXXX. I kindly request the complete removal of this account from my personal credit report. 

Please be advised that I have submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) FCBA and am working with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to take further legal action against XXXX XXXX Services if necessary. 

This situation is creating significant hardship for me and my family. Despite maintaining a flawless payment history for over XXXX years, my credit score has dropped from XXXX to XXXX due to this issue. I have not had any association with the business or its location since XX/XX/year>. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this dispute. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
ATTENTION : Credit Card Dispute Department Subject : Formal Dispute and Request for Removal Business Account in My Name Dear Credit Card Dispute Dept I am writing to formally dispute the account associated with XXXX, currently being reported under my personal credit profile. This credit card account belongs to a business, XXXX not to me personally. I was employed as the XXXX XXXX at the time, but I was not financially liable for the account. 

I respectfully request the removal of the address XXXX XXXX XXXX XXXX  from my credit file. I have never resided at this location, as it was merely my workplace during my tenure with the company. The business has since permanently closed, and all employees, including myself, were laid off. Please see the attached documentation verifying this. 

I am also disputing the balance and responsibility for the above-mentioned account, which rightfully belongs to a company, XXXX. I kindly request the complete removal of this account from my personal credit report. 

Please be advised that I have submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) FCBA and am working with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to take further legal action against XXXX XXXX Services if necessary. 

This situation is creating significant hardship for me and my family. Despite maintaining a flawless payment history for over XXXX years, my credit score has dropped from XXXX to XXXX due to this issue. I have not had any association with the business or its location since XX/XX/year>. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this dispute. 

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 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion P.O XXXX XXXX XXXX, XXXX XXXX XXXX 


Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear TransUnion, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : 1. XXXX XXXX XXXX Account Number : XXXX Amount : {$590.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


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 explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: DE

Complaint narrative:
I am banking with Chime to raise my credit and my payday was on Friday. Everyone else at my job got paid except me. Chime claims they don't hold funds, but that's a lie. Here it is Saturday morning and still no check. This is an outrage. I might not be able to work Monday over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: TX

Complaint narrative:
I made a payment on XX/XX/XXXX in the evening within the grace period that is stated on my mortgage statement. The payment was made online and I was assessed a late fee on the XXXX. The next day I called U.S. Bank and explain that I made a payment on the XXXX and they told me because it was after a XXXX XXXX  cut off time that I was going to be assessed fee. Theres no place online or on the statement that dictates the cutoff time of XXXX XXXX. While the person on the phone did give me a one time waiver, theres nothing that was obvious that stated the cutoff time. Customer should not need to call into a phone line to understand the specific cut off time of the payment, when they dont even have a choice in who their lender is after it sold off from their original lender.

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 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A wire transfer in the amount of {$4500.00} was initiated on XX/XX/year>, from XXXX to my Chase account. Unfortunately, I ( XXXX XXXX, the intended recipient ) mistakenly provided an incorrect account numbertransposing a XXXX for a XXXX caused the funds to be deposited into the wrong account : Business Account # XXXX. The wire was addressed to my name and address so they overlooked verification making sure the account number and name matched, which should have been checked before accepting the money transfer. 


XXXX issued a recall request on XX/XX/year>. They did use and send the recall via the XXXX XXXX. On XX/XX/year>, I was notified by a Chase representative that the unintended recipient approved the withdrawal of the funds. 

Since then, XXXX has been informed that an indemnification letter is required to proceed. Despite multiple attempts, they have not received a response from Chase to complete this step. 

Ive also spoken with XXXX, a wire transfer escalation supervisor, who advised that XXXX continue to reach outhowever, there has been no response from the Chase back office and I am at a stand still in receiving my funds back from Chase.

Could you please assist us in resolving this matter as soon as possible? 



Thank you in advance for your support, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CO

Complaint narrative:
Equifax, XXXX, or TransUnion ) wont correct inaccurate information. 

Complaint type : Credit Equifax Issue : Incorrect information on my credit report What happened : I found inaccurate information on my credit report provided by [ XXXXEquifax/TransUnion or creditors name ]. The information in question is : Closed account XXXX  XXXX Closed XX/XX/XXXX XXXX Closed account XXXX XXXX  XXXX Closed XX/XX/XXXX XXXX Closed account XXXX Closed XX/XX/XXXX Closed account XXXX  Closed XX/XX/XXXX XXXX Closed account XXXX  Closed XX/XX/XXXX XXXX Closed account XXXX  Closed XX/XX/XXXX XXXX Closed account XXXX  Closed XX/XX/XXXX Closed account XXXX Closed XX/XX/XXXX XXXX  Closed account XXXX XXXX Closed XXXX XXXX, XXXX XXXX All accounts above, marked as unpaid, which I do not recognize or owe. 

I submitted a dispute to the credit bureau on Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Dispute history Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX stating that the account was verified. However, I was not given any documentation showing how the account was verified, and the information remains inaccurate. 

I also contacted the original creditor/debt collector directly and requested verification of the debt on XXXX XXXX, XXXX, but I have not received a meaningful response or any documentation to support their claim. 

Desired resolution : I want this inaccurate information permanently removed or corrected on my credit report. It is affecting my credit score and causing me financial harm. Please assist in having this issue resolved, and request that the company provides documentation of the account verification or removes the tradeline as required under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-17 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: GREENSKY OPERATIONS, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX ) wont correct inaccurate information. 

Complaint type : XXXX XXXX  Issue : Incorrect information on my credit report What happened : I found inaccurate information on my credit report provided by [ XXXX or creditors name ]. The information in question is : Closed account XXXX  XXXX Closed XX/XX/XXXX XXXX Closed account XXXX XXXX  XXXX Closed XX/XX/XXXX XXXX Closed account XXXX Closed XX/XX/XXXX Closed account XXXX  Closed XX/XX/XXXX XXXX Closed account XXXX  Closed XX/XX/XXXX XXXX Closed account XXXX  Closed XX/XX/XXXX XXXX Closed account XXXX Closed XX/XX/XXXX Closed account XXXX  Closed XX/XX/XXXX XXXX Closed account XXXX XXXX Closed XXXX XXXX, XXXX XXXX All accounts above, marked as unpaid, which I do not recognize or owe. 

I submitted a dispute to the credit bureau on Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Dispute history Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX stating that the account was verified. However, I was not given any documentation showing how the account was verified, and the information remains inaccurate. 

I also contacted the original creditor/debt collector directly and requested verification of the debt on XXXX XXXX, XXXX, but I have not received a meaningful response or any documentation to support their claim. 

Desired resolution : I want this inaccurate information permanently removed or corrected on my credit report. It is affecting my credit score and causing me financial harm. Please assist in having this issue resolved, and request that the company provides documentation of the account verification or removes the tradeline as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : Account XXXX ( XXXX ) : # XXXX, # XXXX, # XXXX, # XXXX These accounts have willfully and/or negligently violated my rights under federal law. Specifically : 15 U.S.C. 1681 Section 602 ( a ) clearly states that Congress determined there is a need to ensure fair and accurate credit reporting and to protect consumer privacy. This section emphasizes the importance of maintaining the confidentiality, accuracy, relevance, and proper utilization of consumer information.

15 U.S.C. 1681b ( Section 604 ) outlines the permissible purposes for obtaining a consumer report. Section 604 ( a ) ( 2 ) specifically states that a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. I have not provided written authorization or instructions allowing the dissemination or reporting of my consumer information in relation to the accounts listed above. 

Therefore, I am demanding the immediate deletion of any unauthorized accounts or entries associated with my credit file that were reported or accessed without my explicit written consent, in violation of the FCRA. 

Failure to comply with these federally protected rights may result in legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing claims in federal court for damages pursuant to 15 U.S.C. 1681n and 1681o.

Please confirm in writing that these accounts will be deleted and that no further violations will occur. This is an official notice and should be treated as such.

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