vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: NE

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX & XXXX ( Original Creditor : XXXX  ) # XXXX XX/XX/XXXX -- {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX XX/XX/XXXX -- {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$130.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) # XXXX XX/XX/XXXX -- {$750.00}

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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX says my account is paid. 
A collection agency, claiming I owe synchrony bank {$56.00} for monthly membership. My membership is paid in full always with auto billing. Their phone number is XXXX. When I XXXX this number, there are multiple complaints against this collection agency. I literally spent ours arguing with these clowns. They need to be prosecuted. Thank you, for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I have a mortgage with Newrez. I have been approved for a home equity loan with another company. There are two liens on my home from partial claims taken out due to hardship. I am trying to get the payoff amount on those so I can close on this loan. I have called the company several times and they only give me an email address to send the request to. Once I sent the request it stated it would be 5 to 7 days. It has now been two weeks I still can not get the payoff amounts to release these two liens so I can close on my home equity loan. I can not close on this loan until I have the payoff amounts so that the liens can be released. Nobody at Newrez mortgage will escalate or help 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 explanation
Consumer complaint received 2025-06-17 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I have asked XXXX to validate the accuracy of the debt. To provide documentaion that this debt belongs to me. Both companies failed to do so. 
Cavalry had deleted the collection from my account and quite some time later, it was back on without receiving any notice of this. They have violated FCRA 611 ( a ) ( 5 ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2025 XXXX XXXX XXXX XXXX : Cease and Desist Letter & Credit Dispute Notification Account Number : XXXX Dear XXXX XXXX XXXX This letter is to formally notify you that I dispute the validity of the above-referenced account. I request that you immediately cease all communication with me, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Code XXXX ( c ). 

I also dispute the reporting of this account to the credit bureaus and request that you investigate and verify the accuracy of this information. If you can not provide sufficient proof of the debt, including a signed contract or itemized statements, you are required to remove all references to this account from my credit file. 

Please note the following actions are required : Cease all further direct communication with me. 

Provide validation of the alleged debt within XXXX  days, including original documentation. 

Refrain from reporting, or immediately correct/remove, any inaccurate information related to this account from my credit report. 

Any further attempt to collect on this disputed debt, or failure to comply, will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential legal action. 

Sincerely, 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. I was repeatedly told by loan officers at XXXX  that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received XXXX $ on chime and within 2 hours someone sent it to a XXXX XXXX I don't know him and I did not do it I was sleeping it was in the middle of the night and chime keeps closing the dispute and not doing anything.i keep getting notifications saying someone is getting in my account. Chime is not helping to resolve this at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : 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 explanation
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
To Whom It May Concern : I am formally disputing the inaccurate and duplicate reporting of the same alleged debt by two different collection agencies on my credit file : 1. * * XXXX XXXX XXXX XXXX * * {$3700.00} Opened XX/XX/year>2023 2. * * XXXX XXXX XXXX * * {$3700.00} Opened XX/XX/scrub>/2023 Both accounts are reporting the same debt balance, same date opened, and appear to reflect the same original obligation, which is a * * blatant violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) * * and * * XXXX XXXX data integrity standards * *. 

* * This is a clear instance of duplicate reporting, which is misleading, inaccurate, and causing undue harm to my credit profile. * * Additionally, both accounts reflect unresolved dispute language such as : - Account previously in dispute now resolved by data furnisher - Dispute resolved reported by grantor These remarks are deceptive and imply resolution when proper validation was never provided to me. Under * * 15 U.S.C. 1681i ( a ) * *, you are required to investigate and remove any unverifiable or duplicate account information within 30 days of receiving this letter.

# # # My Demands : - Investigate both accounts for duplicate and inaccurate reporting - Provide documentation proving these are separate, valid debts ( which they are not ) - * * Immediately delete one or both accounts * * if they represent the same obligation - Remove misleading remarks stating the dispute is resolved unless validated with supporting documentation Failure to correct this will result in formal complaints filed with : - Federal Trade Commission ( FTC ) - Consumer Financial Protection Bureau ( CFPB ) - Office of the Attorney General - Office of the Comptroller of the Currency ( OCC ) if applicable This is your legal notice under FCRA. Please respond with a confirmation of deletion or correction within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I did not do business with this debt collector or gave consent to any company to sell, give, or furnished my information to this company. This is fraud and a XXXX  offense. The debt collection company that I am referring to that is affecting my mode of living and right to freedom and happiness which is a XXXX given right is XXXX XXXX  Also In accordance with the Fair Credit Reporting act. This company has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Calidornia State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: AZ

Complaint narrative:
Response to validation request : Tek-Collect, Inc XXXX. XXXX XXXX XXXX, OH XXXX Dear Tek-Collect, Inc : I am responding to your contact about an alleged debt you are trying to collect. You contacted me by mail and identified an alleged debt with the below information : Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Due : {$3800.00} Despite the response of documentation sent to me in an effort to validate the alleged debt, the documentation TekCollect provided, does not suffice nor abide by the statutes provisioned under the Fair Debt Collection Protection Act. 


Please supply the additional information below within 30 days of this letter : 1 ) Proof that I gave the original creditor permission to share my personal information with TekCollect.

2 ) The contract of assignment proving TekCollect has the legal right to collect on this alleged debt as a third party collection agency.

3 ) Original signed contract with the original creditor. ( TekCollect failed to provide this in the debt validation documentation ) Unless the three pieces of documentation are provided, TekCollect has no legal authority to pursue collecting on this alleged debt.

I am requesting this alleged debt is removed from my credit report with all three credit bureaus. This alleged debt has not been properly validated and furthermore, has been erroneously reported in collections on my credit report. Consequently, this illegal pursuit of collecting this alleged debt is causing direct financial harm and damage to me personally.

Thank you for your cooperation and the removal of this alleged debt owed to, and in collections by TekCollect. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : Aldous & Associates , PLLC XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Formal Demand for Full Validation Account # XXXX To Whom It May Concern, This is a formal demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, requiring immediate debt validation and a full cease in collection activity until proper documentation is provided for the following alleged debt : Creditor : XXXX XXXX  Account # : XXXX| XXXX : {$240.00} Under the law, you are required to furnish the following : A signed original contract that lawfully binds me to this alleged debt. 
A complete breakdown and payment history explaining how the balance was determined. 
Verification that you are legally authorized to collect on this account and evidence of the lawful transfer of ownership from the original creditor.

The full name and contact details of the original creditor.

Proof that you are licensed and bonded in the State of Illinois, including your bond number.

Documentation confirming that this debt is not the result of identity theft, error, or breach of my personal information. 
Until all of the above is provided, any continued reporting, collection attempts, or account sales will constitute a direct violation of 15 U.S.C. 1692g ( b ). Re-reporting or reinserting deleted tradelines without proper notice within five business days will violate 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

You are granted 15 days from the date of receipt to fully comply with this demand. If you fail to respond, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney General, and pursue legal action for statutory damages under federal law. 

This is your final warning. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
Inaccurate information, collections, inquiries & not completing with deletions on reports

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, I applied for the Hilton Honors Surpass credit card and received a Cardmember Agreement dated XX/XX/XXXX that stated there was no annual membership fee. I activated and used the card based on this agreement. 

On XX/XX/year>, after noticing a {$150.00} annual fee charge on my account that was unexpected, I contacted the company. They acknowledged the issue and said they would look into it. 

Shortly after, I received a new Cardmember Agreement dated XX/XX/XXXX that included the {$150.00} annual fee, which was not disclosed in the original agreement. The company explained this was due to a technical error. 

I requested a one-time courtesy adjustment to waive the fee for the first year, given that I relied on the original agreement without a fee. The company acknowledged the error but repeatedly stated they could not reverse the fee due to internal policy and that there was nothing else I could do. 

The chat ended with no resolution offered. 

I am seeking assistance to resolve this fairly, given the documented error and the fact that I was not informed of the fee before being charged.

Company response to consumer: Closed with explanation