vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX XX/XX/year>2025 ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I requested a debt validation letter from NCB MANAGMENT SERVICES as follows : Re : Request for Debt Validation To whom it may concern, I am writing in response to your recent communication regarding the collections account attached to my credit profile. Under the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( 15 U.S.C 1681 ), I am requesting that you validate this debt and provide me with the following documentation : 1. The full amount of the debt.

2. The name of the original creditor.

3. Proof of your authorization to collect on this debt.

4. A copy of the original signed agreement or contract.

5. Any records of payments or transactions associated with the debt.

Please be advised that I am disputing this debt and am requesting that you provide the necessary documentation within 30 days of receiving this letter. If you are unable to validate the debt as required by law, I expect this account to be removed from my credit report, and all collection activities to cease immediately.

Please note that any failure to provide the requested validation will result in me filing a dispute with the credit reporting agencies and seeking legal remedies under the FDCPA.

I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Last four of SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting accounts that was discharge through my Bankruptcy as past due negative accounts. When anyone pulls my credit from Experian, the report shows those accounts as negative and past due and do not clarify that I'm no longer responsible. They should be removed and not be reporting as negative or past due.

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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi sent a promotional offer to my email in XX/XX/XXXX, stating that to qualify for a {$320.00} bonus, I must : Open a new checking account between XX/XX/XXXX, and XX/XX/XXXX. 

Make at least two ( 2 ) Enhanced Direct Deposits within 90 days of account opening, with a combined total of {$3000.00} or more. 

The offer specified that the {$320.00} bonus would be deposited within 30 calendar days after meeting these requirements. 

I fully complied with the promotional terms by : Opening a new checking account on XX/XX/XXXX. 

Completing the required Enhanced Direct Deposits, totaling over {$10000.00} within the 90-day timeframe.

Despite meeting all the conditions, Citi failed to issue the promised {$320.00} bonus within the expected 30-day period. 

I attempted to resolve this issue by contacting Citi 's customer service at XXXX. However, after successfully verifying my account through the automated system, no representative was available to assist 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Kimball, Tirey & St. John LLP
State: UT

Complaint narrative:
In 2019 my mother XXXX XXXX XXXX XXXX and I were unlawfully evicted and money balance showing on our credit report by XXXX XXXX XXXX XXXX at the address of XXXX XXXX XXXX, CA XXXX. We attempted multiple times to get the eviction and balance removed off our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a collections account on my TransUnion Report for XXXX but the debt was transferred to a collections agency name " XXXX XXXX XXXX  '' in the amount of {$280.00} The collection account is dated for XXXX XX/XX/year>2024. 

This account is not mine for a myriad of reason including : I was XXXX during this time frame, i only have XXXX  pre-paid for my cellular service and my phone is paid off. 

I have received XXXX written notice of this debt by mail or any other means of communication I have disputed the debt via XXXX XXXX but I wanted to file a complaint for malpractice because I have XXXX knowledge of this account and this collections account has caused mt credit score to drop significantly.

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 2025-03-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
1. Failure to Conduct a Reasonable Investigation ( 611 ( a ) ( 1 ) ) The FCRA requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes information.

If they just confirmed the account with the original creditor without investigating properly, thats a violation.

2. Failure to Provide You with Results of the Investigation ( 611 ( a ) ( 6 ) ) 3. Failure to Consider Your Documentation ( 611 ( a ) ( 4 ) ) 4. Reporting Inaccurate Information After Being Notified ( 623 ( a ) ( 1 ) ) If the furnisher ( creditor or collection agency ) knows or should know the information is incorrect but continues to report it, theyre in violation.

5. Failure to Note the Account as Disputed ( 611 ( a ) ( 3 ) ) If the account remains on your report without a dispute notation, thats another FCRA violation. All these laws were violated which violates me as a consumer to my rights which is unacceptable please resolve 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 explanation
Consumer complaint received 2025-03-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX XXXX GA XXXX Dear, equifax Subject : Urgent Request for Immediate Removal of Fraudulent inquiries Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft.

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following inquiries must be removed immediately : 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 Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them.

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter.

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX And XX/XX/XXXX There Was Two Unauthorized Inquiries From ( Bank Of America ) These Accounts Fall Under The Statue Of Limitations Or Are Misreporting On My Credit Report. 

I ask that they please be removed and please apply these laws to these accounts The Fair Debt Collection Practices Act Law 111-203, tittle X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FRCA ) 15 U.S.C 1681 ( '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 explanation
Consumer complaint received 2025-03-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This company is violating rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report.I have made attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation listed, the can either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL SOLUTION BIZ LLC.
State: IN

Complaint narrative:
I got a loan from XXXX XXXX out of California. I paid the debt off to a debt collection agency called XXXX as instructed by the original creditor XXXX XXXX. I am getting harassed by another debt collection agency for the exact same debt. I have told them receptively that this debt is been paid and they are no cease and assist efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: CA

Complaint narrative:
so i've had my card on automatic withdraw from the amount do each month haven't had a problem till about two weeks ago, i received an email that said i change my email address on the account but if it wasn't me to call the company. So i called they had the wrong email and someone changed my address and also my sign in. the company didn't seemed worried but i didnt. So they changed it, later on in the day i was looking online to make sure it all looked ok and it said that i had authorized a payment from my bank account for the whole amount due. I hadn't authorized anything it was even my due date either so i called back and asked them to remove my bank account because i didn't authorize anything every month ill just go online and do a one time payment. so we deleted the account number on there, but i still had to pay a XXXX fee at my bank for cancellation of payment and a week later i have a pending transaction to pay the full amount again and i didnt authorize my bill isnt due and they were supposed to delete my bank info. when i call they say they'll try to cancel it. i never authorized for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This pertains to the case ID XXXX with regard to the {$84.00} dispute. As the case was already closed by other party/parties, I have to re-open this case by filing a new complaint. 

I also left a response to that case, stating that I didn't find the credit of {$21.00} the response letter mentioned. Furthermore, the response letter didn't tell me exactly what the {$84.00} was for. 

I saw the credit was on XXXX 's statement from the XXXX XXXX Due to lapse of time, I don't remember all the details but I remember that I returned all the major purchases I made at that store because those didn't fit my house. The {$84.00} should be related to that. 

I demand this undue charge of {$84.00} to be removed immediately. 

Thank you.

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 2025-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC

Complaint narrative:
I am a XXXX XXXX and I have been recieving emails for a XXXX XXXX with a similar name. The emails are coming from Shellpoint Mortgage Service. 
Sometimes the emails are simply to let their customer know of availability of a statement but I have also had messages about payments and taxes. 
I have emailed the company at least twice ( XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ) to ask them to contact their customer by other means and to correct the email address they have on file but this has not been actioned. I have tried to unsubscribe previously too. Initially I just deleted the emails in case they were a scam but they appear very genuine. 
Clearly this is a nuisance for me, but it also means their customer is not getting the information they need and the company are probably breaking regulations regarding holding accurate information about their customers. In the XXXX, we call this XXXX 
All I want is for the emails to stop coming to me. I would be grateful if you could ensure this is actioned properly please. 
Many thanks

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 2025-03-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and falling to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Accounts : XXXXXXXX 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 2025-03-30 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1XXXX XXXX XXXX XXXX XXXX ( XX/XX//2023 ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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