vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IA

Complaint narrative:
I never received any communication from this debt collector. They also violated reporting guidelines to the credit bureaus they duplicated the claim causing my score to drop down XXXX points for {$890.00} they separately reported to XXXX  and XXXX maybe even XXXX. Left no address or number to contact them. I have been getting spammed calls when answer nobody responds. 
I want Validation letter Request Validation ( FDCPA ) : If you receive contact from the collector, or if they contact you after your dispute, demand a " debt validation '' letter in writing within 30 days of first contact, as required by the Fair Debt Collection Practices Act ( FDCPA ). This letter must include : The amount owed. 
The name of the original creditor. 
Their contact details. 
How to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I cancelled my insurance with XXXX  and the remaining balance was {$33.00} because I wasn't any longer within their jurisdiction of my policy coverage area so they advised me to cancel the policy and potentially reopen in the new state, however, I did reached out to them and they gave me a ridiculous quote tripple time the amount I had before and I told them give me some time and I am still looking for better rates and the sales rep said you will receive your quote via email and you must e-sign it in order for his quote to be effective because quotes change daily and I didn't sign it, and I was still seeking for better rates. I was also in the process of moving to XXXX, I had my partner add me unto his policy with XXXX XXXX temporarily and I later got a better rate with XXXX  whom I am currently insured by. So I refuse to be alledge with a quote that I didn't legally accept by XXXX. Prior to this experience I had been with XXXX  over XXXX years never late with automatic payments, so I refuse for them to threaten me with collection to pay them an inaccurate amount I never excepted without them proving to me my e-signature excepting their XXXX XXXX  quote.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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! 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
Bank of America is reporting an alleged account with an unpaid closure dated XXXXXXXX XXXX XXXX for XXXX as account abuse. I dispute the accuracy and completeness of this information. I never received any validation of the alleged debt or any documentation showing that I am legally responsible for this account. 

I contacted the reporting agency to dispute the item and requested verification under the Fair Credit Reporting Act including the requirement for maximum possible accuracy and a reasonable reinvestigation. No documentation was provided to prove the accuracy or legal validity of this account. 

I am requesting that CFPB require the furnisher to provide verified documentation used to report this item. If they can not produce authenticated records proving liability itemization and accuracy then the account should be removed from all reporting systems.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-12-07 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2025-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This is NOT a duplicate complaint. This filing includes new evidence, new reporting activity, new dates, and new statements from Synerprise that did not exist at the time of my previous CFPB complaint. 

XXXX XXXX originally reported an alleged medical debt for {$2200.00} and placed a derogatory mark on XX/XX/year>, even though they stated the debt was sold to Synerprise on XX/XX/year>. No validation or written notice was ever provided. 

Synerprise later reported the same alleged debt on XX/XX/year> for a different amount of {$960.00}. I had not received any written notice or validation prior to this reporting. 

NEW EVIDENCE : On XX/XX/year>, I mailed a dispute letter to the mailing address listed in Synerprises credit reporting entry ( XXXX XXXX XXXX XXXX XXXX XXXX ). The letter was returned as undeliverable. This shows I was not given the FDCPA-required written notice or a valid address to dispute the debt. This evidence did not exist during my prior complaint. 

NEW EVIDENCE : My certified validation request was delivered to Synerprise on XX/XX/year>. Despite receiving my dispute, Synerprise reported the debt again to Equifax on XX/XX/year>. Reporting after receiving a dispute is a new violation and occurred after my previous CFPB complaint was closed. 

NEW STATEMENT : In their response to my previous CFPB complaint, Synerprise stated : The creditor spoke with the consumer on XXXX. This is inaccurate. On that date, XXXX was the creditor, and I had no such communication. This false statement did not appear in my prior complaint and is new information. 

NEW CONTRADICTION : Synerprise also stated the matter was not sold to Synerprise, despite reporting, collecting, and claiming they verified the balance. This contradictory ownership claim is new evidence that arose after my original complaint.

NEW VALIDATION FAILURE : Synerprise sent only an internal account printout as validation. They did not provide proof of ownership, assignment documentation, an itemized bill, or records from the original creditor. This inadequate validation is new and occurred after the close of my last complaint. 

NEW REGULATORY INFORMATION : The Texas OCCC provided a written response stating they do not regulate Synerprise and directed me to the CFPB. This document did not exist when I filed my earlier complaint. 

Because these events, dates, and false statements are all NEW and occurred AFTER my prior complaint, this filing is not a duplicate. I am requesting deletion of the tradeline or full legal validation including proof of ownership, the assignment chain, and itemized billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
regarding serious issues with both of my Concora Credit accountsmy Milestone card and my Indigo card. At this time, Concora Credit has removed my access to both accounts, preventing me from making any payments or viewing statements. 

Indigo Card The Indigo card was activated and used fraudulently by a minor in my family. I did not authorize the activation or the charges. When I contacted customer service and offered to pay the fraudulent balance in full, I was told that I would still be responsible for the annual fee, all additional fees, and all interest that had accruedeven though I did not make the charges. I do not feel this is fair or consistent with standard fraud procedures. 
I attempted to dispute the charges, but I was told that no assistance could be provided. 

Milestone Card My Milestone account has always been in good standing. I have never been late on a payment. However, my ability to make payments was suddenly blocked by Concora Credit, making it impossible to keep the account current through no fault of my own.

Current Situation At this point, I can not make payments on either account, and I am being denied access to statements, fee breakdowns, or any documentation. This lack of transparency is unacceptable and prevents me from resolving the issue.

In more than eight years of credit history, I have never missed a payment on any account. This situationcaused by Concora Credits actionsis now negatively impacting my credit and causing significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, XXXX XXXX, XXXX, submitted a false name under an LLC for an unauthorized hard inquiry, which is on my credit report, and has not been cooperative in resolving the issue ( inside job ).

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 2025-12-07 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:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness. 

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
Sofi keep telling me my loan has been transferred However I haven't received any official correct or certified loan transfer information from a supposed new lender. Sofi is trying to defraud me and steal my property. Please someone call me or send me all correct property loan and parcel information. I need a contact person name not a robospam fraud call, but a direct contact with a real person with a real company. Not a scammer Over XXXX emails and letters. Letting them know that my mortgage loan is thru SoFi Mortgage Loan company and Bank. The name on the Deed as owner is : XXXX XXXX XXXX property address : XXXX XXXX XXXX XXXX XXXX  XXXX Missouri XXXX. They keep emailing back without that correct information. Nor verifying proper parcel information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: CA

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! 


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 XXXXXXXX

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 2025-12-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A disputed items on my credit report that I found where being furnished incorrectly and with errors, some common sense errors and others in which I sent in court documentation of me not owing anything on the debt item they been displaying for over six years and its one more thing that prevents me from owning a home I still have XXXX boys under XXXX XXXX XXXX. I need help to remove items that are been displayed twice and secured cards that have debts, and secured cards dont offer credit so they need to be removed it information been furnished incorrectly and Ive disputed the items more than once with supporting evidence each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: CA

Complaint narrative:
A disputed items on my credit report that I found where being furnished incorrectly and with errors, some common sense errors and others in which I sent in court documentation of me not owing anything on the debt item they been displaying for over six years and its one more thing that prevents me from owning a home I still have XXXX boys under XXXX XXXX XXXX. I need help to remove items that are been displayed twice and secured cards that have debts, and secured cards dont offer credit so they need to be removed it information been furnished incorrectly and Ive disputed the items more than once with supporting evidence each time.

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 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint because debt collectors are reporting inaccurate, unverified, and misleading collection account on my credit report : 1. LVNV Funding LLC 1,032 This furnisher are knowingly violating federal law, causing financial harm, and refusing to provide validation or accurate reporting as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

1. Failure to Provide Legally Required Validation ( FDCPA 809 ) Each collector has failed to provide : Proof that they own or were assigned the debt A full accounting and breakdown of the amount Proof the debt is within the statute of limitations Any contract bearing my signature They are furnishing information without verifying ANY documentation.

This is a violation of 15 U.S.C. 1692g ( b ).

2. Reporting False, Outdated, and Conflicting Balance Information Balance
for this collections change randomly every month with no supporting documentation, which violates : FCRA 1681s-2 ( a ) accuracy obligations FCRA 1681e ( b ) maximum possible accuracy requirement Debt collectors can not legally report : Inflated balance Incorrect charge-off amounts Interest/fees not allowed by state law Inconsistent monthly updates Yet this furnisher are doing exactly that.

3. Re-aging and Extending the Reporting Period Some of these collection accounts are : Past the legal reporting period, or Have an inaccurate Date of First Delinquency ( DOFD ) Collectors illegally manipulate updated dates to keep the accounts active a well-known FCRA violation. Furnishers are breaking FCRA 623 ( a ) ( 5 ) regarding proper reporting of DOFD. 4. Reporting Disputed Information Without Notifying Bureaus When I disputed these
accounts, collectors continued updating and furnishing data without marking the accounts as disputed, which violates : FCRA 1681s-2 ( a ) ( 3 ) FDCPA 807 ( 8 ) This is illegal suppression of dispute status and a serious federal violation.

5. No Proof of Ownership or Right to Collect None of these companies provided : A bill of sale Chain of title documents Proof the debts werent paid, settled, or discharged Proof they are legally collecting in my state Furnishers can not report information they can not prove. 

If they can not validate, the accounts must be deleted, not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Amex closed my account stating the reason as I don't meet their customer requirement but no not disclose what it means. I've paid everything on time and have not hassled them as a business. 

They are fine to not want me as a customer, but I want my account fees back. 

I paid {$690.00} in XX/XX/2025 for XXXX  card, {$320.00} in XX/XX/2025 for Gold card, {$550.00} in XXXX for XXXX XXXX. 

My accounts with Amex were canceled by them on XX/XX/XXXX after almost 30 days in " financial review. '' They didn't find fault in me owing them any money, and that's why they didn't want me as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've already sent a letter to the Bureaus about the mistakes and unknown entries on my credit report, but I still haven't heard back after 30 days. It feels like I'm being ignored, and my disputes aren't being taken seriously. Per Section 611 ( a ), if these issues aren't looked into within 30 days, they should be removed from my report. Since it's been over that time, I expect these accounts to be updated right away. If that doesn't happen, I might have to consider legal action because this whole situation has been really stressful for me. Plus, my info was impacted by the Equifax, Experian, and Transunion data breach, which makes me worry about the safety of my personal data.

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