vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
On XX/XX/year>, around XXXXXXXX XXXX  EST, I received a phone call from a collector named XXXX from Genesis ( Columbia Debt Recovery LLC ), using the number ( XXXX ) XXXX. The collector identified a legitimate debt that I recognize and do not dispute. However, the conduct during the call was unacceptable and concerning. 

The collector falsely stated that my fianc was employed as a realtor at a real estate agency, which is untrue. This appeared to be a case of mistaken identity, but it was presented as fact, implying they had researched her. This was an alarming invasion of privacy and felt like an intimidation tactic.

The collector also asked intrusive questions about my personal employment, including where I work, the name of my manager, and how much I make per month. The tone and nature of these questions were unnecessarily aggressive and made me feel harassed.

I am not disputing the debt, but I believe this communication violated several provisions of the FDCPA, including harassment and false representations. I want to report this behavior and ensure it does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CL Holdings LLC
State: CA

Complaint narrative:
Twice now, Pa XXXX XXXX XXXX has wrongly put a collections account in my credit report. I have sent them my information including my full name, my residence my credit report my Social Security number my date of birth. All which do not match the information of the person they are are trying to collect from. The only thing we have in common is a partial similar name. Despite my attempts to work, amicably and patiently, there has been no resolution on their end. This has caused an unnecessary strain in my finances as I was not able to refinance or get a loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am writing to complain about the care credit card. I have used it to help space out medical bills and they purposely scammed me. Every time I use it, I sign a paper that shows the total amount and how the payment will be split ( 6 months, 12 months or 18 months ) into equal payments. So to me, once I sign that I agree to those terms, the payments are then split by care credit and I am on auto debit so that should take care of it. Period. Not once did I miss a payment and I use it because I really needed it to face some medical bills. The other day I logged on to my account by chance to see that they have assessed thousands of dollars of interests. When I called they said the payments where not made within the promotional period I agreed too. 
The truth is, they dont automatically split every payment equally like what they say on the paper you sign. Instead iys done in some arbitrary way to make sure you dont finish within rhe alloted time. 
Why dont they put on the paper you sign : your bill is {$3000.00}, please log on asap to set up yourself your equal payments within the given time? Plain and simple. Instead they make you think you signed something that shows your total, your length to pay it, and the monthly amount bht that never gets done. 
It makes it confusing so that they can assess these insane rates higher than any credit card I have ever seen! 
Their language is deceitful and done on purpose and puts people in more of a financial strain that they can never get out of. They have completely ruined me. 
They should be sued and closed down for their deceitful practices.

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 2025-04-16 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: SC

Complaint narrative:
After reviewing my credit report I notice that I have fraudulent collections listed on my credit report. The fraudulent accounts are hurting my ability to obtain new credit. Please remove the fraudulent accounts from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am writing to formally dispute a duplicate withdrawal and incorrect settlement involving a transaction between my checking account at XXXX XXXX XXXX XXXX ( XXXX ) and my PayPal account. 

On XX/XX/XXXX, I transferred {$1000.00} from my XXXX checking account to my PayPal account. Due to the apps settings, an automatic reload of {$300.00} was triggered without my knowledge, resulting in an unintended withdrawal of that amount. In an attempt to recover the funds, I initiated a reverse transaction ; however, another {$300.00} was withdrawn, totaling {$600.00} in excess charges from my checking account. 

I promptly reported the issue and opened a dispute with XXXX. As a result, in XX/XX/XXXX, XXXX issued a provisional credit of {$600.00} to my account. When the matter appeared resolved by XX/XX/XXXX, XXXX reversed that provisional credit, debiting {$600.00} from my checking account. 

Subsequently, on XX/XX/XXXX, PayPal withdrew {$600.00} from my PayPal account. Of that amount, {$100.00} was deducted directly from my personal PayPal funds, and I paid the remaining {$490.00} to clear the resulting negative balance. 

This action, however, constitutes a duplicate withdrawal. The funds had already been returned to XXXX in XXXX, and the subsequent PayPal debit was made in error. This erroneous charge has caused undue financial strain and inconvenience. 

I kindly request a thorough review of this case and a refund of the {$600.00} that was incorrectly withdrawn from my PayPal account. I am happy to provide any supporting documentation upon request. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint because I was charged {$5200.00} for a lease termination, despite properly informing the leasing office of my intent to move out. 

I notified the leasing office via email XXXX  days prior to my intended move-out date, which I believed satisfied the required notice period. However, they later claimed that the notice had to be given exactly XXXX days in advance, and used this XXXX discrepancy as grounds to reject my notice and charge me a full lease termination fee. 

Throughout the process, I attempted to communicate with the leasing office multiple times, but I was given inconsistent and unclear information. Additionally, they requested that I return the apartment keys. I informed them that I was unable to locate the keys, to which they responded that unless the keys were returned, they would not be able to access the apartment. This gave me the impression that they were intentionally creating obstacles to penalize me further. 

I believe this charge is excessive and unfair, particularly given that I made a good faith effort to follow the notice procedure, was transparent in my communication, and was met with a lack of cooperation from their end. 

I am requesting a thorough investigation and a fair resolution, including the reversal or reduction of this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I am writing in regard to a collection account you claim I owe. Please be advised that I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g. Furthermore, under 15 U.S. Code 1692c ( c ), I am requesting that you cease all communication with me, my family, and my place of employment regarding this matter until proper validation is provided. 

This is not a refusal to pay, but a request for validation and verification. Under the FDCPA, you are required to provide the following : The amount of the alleged debt ; The name of the original creditor ; A detailed statement showing how the debt was calculated ; Copies of any documents that prove I agreed to assume this debt ; Proof that you are legally authorized to collect debts in my state. 

Until these documents are provided, I do not acknowledge any obligation to this debt and request that you cease collection efforts. 

Please be advised that failure to comply with this request, or continued contact without proper validation, will be considered a violation of the FDCPA and reported to the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office. 

I request that all future communication be conducted in writing only and mailed to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
Several inaccuracies concerning this account and it's violating FCRA, specifically sections 15 USC 1681E ( b ) and 15 USC 1681i ( 5 ). All information reported must be 100 % accurate across XXXX agencies, and if info can not be verified it MUST be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
Several inaccuracies concerning this account and it's violating FCRA, specifically sections 15 USC 1681E ( b ) and 15 USC 1681i ( 5 ). All information reported must be 100 % accurate across XXXX agencies, and if info can not be verified it MUST be deleted

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 2025-04-16 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:
Subject : Formal Complaint Inaccurate LatePayment Reporting on XXXX. Account I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite multiple written requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my dispute has been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

1.FCRA Violations 15U.S.C.1666b requires creditors to send periodic statements at least XXXX before a payment due date. The XXXX notation TransUnion reports for XXXX indicates that either XXXX failed to meet this requirement or TransUnion failed to verify the information. 

15U.S.C.1681i mandates that creditreporting agencies investigate disputed information and ensure maximum accuracy. My prior disputes were not properly investigated, as proven by the continued presence of this erroneous latepayment mark.

2.TILA Violations TILA requires accurate and timely disclosures to consumers. The false latepayment record has damaged my creditworthiness and violates these disclosure standards. 

3.Protection Against NonPayment of Obligations Act ( PAANL ) This statute reinforces creditors duty to provide timely statements and protects consumers from unfair penalties. The disputed latepayment entry contradicts this protection. 

Report Details Field TransUnion XXXX XXXX XXXXXXXX {$0.00} {$0.00} {$0.00} Status XXXX ( XXXX ) Current/Open Current/Open Last Payment XX/XX/year> XX/XX/year> Credit Limit {$7500.00} {$7500.00} {$7500.00} Payment History ( XXXX. ) Single XXXX late ( XXXX ) All OK All OK Experian and Equifax both show an unbroken OK history, confirming that TransUnions lone XXXX code is inaccurate. 

XXXX XXXX XXXX XXXX removal of the XXXX XXXX notation from my TransUnion credit file. 

Written confirmation that the correction has been completed. 

If this issue is not resolved promptly, I will escalate the matter by : Filing additional complaints with the Federal Trade Commission ( FTC ) and my State Attorney General. 

Pursuing legal action for violations of FCRA and XXXX. 

Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the correction.

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 2025-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: NC

Complaint narrative:
While reviewing my XXXX  credit report noticed collection account from credit control LLC I received notice notification of this under 15 U S C code 1692g I am requesting validation of this debt along copy of purchase agreement with my name on it and not a debt pool. Also chain of custody agreement and copy of my signature entering contract with collector.

This has been posted on my credit report without validation and needs to be removed immediately

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 2025-04-16 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: ID Analytics, Inc.
State: TX

Complaint narrative:
XXXX XXXX Unfortunately, I have identified several in accuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. However, the credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. Unfortunately, I have found several inaccuracies and unauthorized inquiries on my consumer report and would lithe accounts updated effective immediately. Personal information. only the name. XXXX XXXX XXXX should be present on my consumer report I would like all of the following names removed. 


XXXX XXXX XXXX Only the address XXXX XX/XX/XXXXXXXX XXXX XXXX, TX XXXX Should be present on my consumer report. This address is correct. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed XXXXXX/XX/XXXX these addresses must be removed immediately In the I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XX/XX/XXXXXXXX this information must be removed from my credit report because it is incorrect. these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX Unfortunately, I have identified several in accuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. However, the credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. Unfortunately, I have found several inaccuracies and unauthorized inquiries on my consumer report and would lithe accounts updated effective immediately. Personal information. only the name. XXXX XXXX XXXX should be present on my consumer report I would like all of the following names removed. 


XXXX XXXX XXXX Only the address XXXX XXXXXX/XX/XXXX XXXX, TX XXXX Should be present on my consumer report. This address is correct. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed XXXX XXXX XX/XX/XXXX these addresses must be removed immediately In the I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXXXXXX this information must be removed from my credit report because it is incorrect. these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report

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 2025-04-16 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: IA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts of my report, they are hurting my ability of obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXXData breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( XXXXB ), I request these items be blocked from my credit report. Additionally, under XXXX U.S. CXXXX XXXX ( protection of personally identifiable information ) and XXXX U.S. CXXXX XXXX ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate and according to the fair credit report act it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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. 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number XXXX They sent me investigation and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681:5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of information from the file of the consumer or modify that item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the files of consumer. 
And according to this law they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) 7 Description of reinvestigation procedures a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either And according to 15 USC 1681s- 2 they are suppose to 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