vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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:
Care Credit knowingly has merchants who presell services, XXXX XXXX XXXX in XXXX. I bought in XX/XX/XXXX. They advertise their services never expire - but XXXX went out of business XX/XX/XXXX and now I can not access my services and I am out $ XXXX was on the local news and I included 16 pages of screenshots and information. 

I have provided extensive proof on my end, but Care Credit says they do not have what they need and ruled against me. That means they can not access their own merchants records - not my problem. I want my money back. 

I am the consumer and it is not my fault they chose this merchant who closed her doors. 

Everyone got their money but I did not get my services. 

I keep getting form letters after I explicitly requested a written response regarding their findings and steps taken to resolve this dispute.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I contacted AT & T around XX/XX/year> to cancel my internet and XXXX XXXX. At that time, I was informed that I would receive a shipping box to return the equipment. When the box did not arrive, I followed up with AT & T and was told that my account remained active, they had no record of my cancellation request, and that a past-due balance had accrued. 

I explained that I had not received any billing statements after my initial cancellation request and was therefore unaware of any charges. I emphasized that I had requested cancellation of services, this was an error on AT & Ts part and requested that they correct it. While AT & T ultimately canceled my service from that point forward, they refused to acknowledge their error and insisted that I pay the past-due balance. 

I further requested a copy of the most recent billing statement, as the amount differed from my normal monthly charges. AT & T informed me that they were unable to provide the statement. I made it clear to the representative that I would not pay the disputed balance because it resulted from their error and because they could not provide documentation to support the charges. 

More than two years later, XXXX XXXX  ( XXXX XXXX license number XXXX ) began contacting me regarding an alleged AT & T/XXXX balance of {$360.00}. IC Systems has since reported this disputed balance to the credit bureaus. I firmly believe this balance is not valid, and the resulting collections entry on my credit report is unwarranted and should be removed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC
State: OH

Complaint narrative:
This company is engaging in predatory lending. These interest rates are illegally high and intentionally marketed to cost thousands of dollars in interest.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XX/XX/year> Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Tradeline AFFIRM XXXX Acct # XXXX To Whom It May Concern, I hereby dispute the accuracy of the following tradeline listed on my Experian credit report dated XX/XX/year> : XXXX XXXX  Acct # XXXX Experian is currently reporting this account as : " Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/year>, '' with a balance of {$610.00} and {$610.00} past due. However, the original balance is listed as {$560.00} with terms of 6 months. 

* * Disputed Inaccuracies : * * - * * Incorrect Balance/Amount : * * The reported {$610.00} is inconsistent with the original {$560.00} without documentation or itemization. 
- * * Unverifiable Payment History : * * The negative reporting exceeds whats expected for a 6-month term, unless backed by accurate monthly records and a correct Date of First Delinquency ( DOFD ).

- * * Status Conflict : * * The account is shown as charged off, yet still reports the full past-due balancethis creates a contradictory status. 

* * Request : * * Please update the balance, status, and payment history to reflect accurate, verified data. If account-level documentation ( agreement, payment schedule, itemized ledger, and DOFD ) can not be provided, I request deletion of this tradeline in compliance with FCRA guidelines XXXX 

* * Enclosures to be submitted separately : * * - Copy of government-issued ID - Proof of address - Highlighted copy of the Affirm tradeline from my credit report 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 2025-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS - XX/XX/XXXX this is a collection for XXXX dollars this transaction was not me I did process this at all. And under the law 15.usc.1681 you supposed to have premission to put anything on my credit report. This is a third party lender so therefore this is considered identity theft. 


XXXX XXXX XXXX XX/XX/XXXX this is a collection for XXXX dollars this transaction was not me I did process this at all. And under the law 15.usc.1681 you supposed to have premission to put anything on my credit report. This is a third party lender so therefore this is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Klarna AB
State: VA

Complaint narrative:
In XX/XX/year>, I discovered that XXXX XXXX  acting as a debt collector for Klarna, sent private financial information about my Klarna account to my sisters email address, an email I never authorized or provided to them at any point. This was a clear privacy violation. Despite XXXX claiming in their CFPB response that the alternative email was associated with my account, I did not add that email, approve it, or give permission for my information to be sent there. On XX/XX/year>, I emailed XXXX XXXX and requested confirmation of what information was disclosed, correction of my records, assurance that my data was secure, and an explanation of how this breach occurred. I received no response. On XX/XX/year>, after still being ignored, I sent a follow-up email requesting {$3500.00} in compensation for the privacy violation and emotional distress caused. Again, I received no communication of any kind. Shortly after my emails, I noticed Klarna collections were stopped and collections on my XXXX XXXX account were cancelled, yet XXXX still never contacted me or acknowledged the breach. 

On XX/XX/year>, I filed complaints with the CFPB. XXXX did not respond to me directly but submitted a response to the CFPB on XX/XX/year>. In that response, they admitted that communications were sent to an alternative email, but they failed to explain how this unauthorized email became connected to my account, offered no apology, and provided no compensation or resolution. Their response minimized the seriousness of exposing my private financial information to a third party. As of XX/XX/XXXX, XXXX three months since reporting the breachI still have not received any written communication, apology, or resolution from XXXX XXXX. The matter remains unresolved, and I am submitting an additional complaint due to the companys inadequate response, lack of accountability, and failure to properly address the harm caused by this unauthorized disclosure.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SinglePoint GI
State: MD

Complaint narrative:
Requested verification from XXXX  and XXXX XXXX XXXX of correct amount and original account holder which is incorrectly being reported via XXXX  credit report. XXXX XXXX XXXX repeatedly contacted me via telephone requesting to pay the balance in full to them after refusing to settle. Balance is currently being paid to original creditor and XXXX XXXX XXXX denied my request for fair and accurate reporting. XXXXXXXX XXXX XXXX  was the first time XXXX XXXX  had contacted me regarding the debt even though the account was open in XXXXXXXX XXXX XXXX. The company never gave notice of intent to collect or intent to report past due account to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NJ

Complaint narrative:
Subject : Complaint Against Credit Control LLC Unlawful Debt Collection To Whom It May Concern, I am submitting this complaint against * * Credit Control LLC * *, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX, for repeated attempts to collect debts that are * * non-existent, unauthorized, and not legally owed * * by * * XXXXXXXX XXXX XXXX XXXX * * and * * XXXX  XXXX * *. 

* * Timeline & Details : * * * * * XX/XX/year> : * * Credit Control LLC sent correspondence attempting to collect a fabricated debt ( Ref # XXXX ). 
* * * XX/XX/year> : * * XXXX 's XXXX XXXX sent a formal cease-and-desist letter regarding Ref # XXXX, disputing the alleged XXXX XXXX XXXX Account XXXX XXXX * * * XXXX. 
* * * XX/XX/year> : * * XXXX XXXX sent a final cease-and-desist letter regarding Ref # XXXX. Copies of both letters were * * forwarded to Attorney XXXX XXXX, XXXX, and reported to CFPB * *. 
* * * Post-Letters : * * Credit Control LLC continued collection attempts, ignoring explicit legal notices. 

* * Violations Observed : * * * Collection of debts without verification or documentation ( * * FDCPA 809 ( a ) * * ).

* Attempting to collect from entities that are dissolved or have * * no contractual obligation * *. 
* Harassment and unlawful debt collection ( * * FDCPA 807, 808, 805 * * ).

* Attempting to report or threaten reporting fabricated debts to credit bureaus ( * * FCRA 623 * * ).

* Purchasing disputed debts and personal information to pursue collection without legal basis.

* * Attachments Provided : * * 1. Cease-and-desist letter dated XX/XX/year> ( Ref # XXXX ). 
2. Cease-and-desist letter dated XX/XX/year> ( Ref # XXXX ). 
3. Copies of Credit Control LLC correspondence, if available.

* * Requested Actions : * * * Immediate investigation into Credit Control LLCs collection practices.

* Enforcement action to * * stop harassment and unlawful collection activity * *.

* Penalties for violations of FDCPA and FCRA.

* Assurance that no inaccurate or fabricated debts will be reported to credit reporting agencies. 

I request that the CFPB take * * prompt action * * to address this predatory and unlawful behavior. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2025-12-07 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: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
Someone bought a car, some how used my identity and got a brand new Honda. When I tried to dispute it, I was told everything was correct and I was liable. Now I have a charge off thats over {$20000.00}

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: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon looking at my credit report I see a unauthorized acct on my profile, please remove it, 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 2025-12-07 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: TX

Complaint narrative:
My account with XXXX XXXX was charged off in the amount of {$3300.00}. I believe this charge-off is incorrect and needs to be reviewed. 

I contacted the company to address the issue, but the matter has not been resolved and I was not properly notified. I received conflicting information from representatives. 

As of today, the charge-off remains on my account and is negatively affecting me. I am requesting that this account and the charge-off amount of {$3300.00} be investigated and corrected, and removed.

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: TX

Complaint narrative:
My account with XXXX XXXX was charged off in the amount of {$3300.00}. I believe this charge-off is incorrect and needs to be reviewed. 

I contacted the company to address the issue, but the matter has not been resolved and I was not properly notified. I received conflicting information from representatives. 

As of today, the charge-off remains on my account and is negatively affecting me. I am requesting that this account and the charge-off amount of {$3300.00} be investigated and corrected, and removed.

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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I am formally disputing the BMW FINANCIAL SERVICESXXXX accounts reporting on my credit file. These accounts are not mine and is the result of a data breach where my personal information was compromised. I received notice that my information was exposed in a confirmed data breach, which has led to unauthorized accounts being reported under my name. 

Despite multiple disputes and validation requests, BMW FINANCIAL SERVICESXXXX has failed to provide documentation verifying the accuracy or ownership of these accounts. I have repeatedly requested validation, including a signed contract bearing my wet signature, itemized statement, proof of assignment, and verification procedures, but have received no such evidence. 

Furthermore, BMW FINANCIAL SERVICESXXXXXXXX XXXX XXXX XXXX XXXX  failed to properly investigate or verify this account as required under : 15 USC 1681i ( a ) ( 1 ) duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) duty to provide the consumer with a description of the verification process 15 USC 1692g validation of debts 15 USC 1692e ( 8 ) prohibition of reporting information known to be false The continued reporting of these unverifiable and fraudulent accounts violates these provisions and has caused me significant hardship, including denial of services, credit opportunities, and emotional distress. 

I have also filed complaints with the FTC regarding this fraudulent activity. I am requesting that the CFPB investigate this matter, compel BMW FINANCIAL SERVICES/XXXX  and the credit bureaus to provide full verification or immediately remove these fraudulent accounts from my credit reports to restore the accuracy and integrity of my consumer file. 

Unauthorized Accounts Listed : XXXX ) BMW FINANCIAL SERVICES/XXXX XXXX XXXX {$26000.00} Date XXXX XXXX ) BMW FINANCIAL SERVICESXXXX Amount XXXX {$30000.00} XXXX XXXX

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: CA

Complaint narrative:
On XX/XX/year>, I disputed two collection accounts on my credit reports. One of them is reported by LVNV Funding LLC for {$860.00}. The other is also listed as a collection account for an amount I do not recognize. 

I previously had a credit card, but I was never informed that the debt was sold, transferred, or assigned to LVNV Funding LLC or any collection agency. I never received any written notice from them, and I have no documentation proving that these companies legally own the debts or that the amounts being reported are accurate. 

I contacted both the credit bureaus and the collection agencies requesting full validation, including : proof of ownership or assignment of the debt, original creditor information, dates of sale or transfer, an itemized breakdown of the balances, and copies of any documents with my signature. 

As of today, I have not received any of this required documentation. Because of the lack of notice, missing validation, and unclear ownership of the debts, I believe these accounts may be inaccurately reported. 

These collections appear on all three of my credit reports and have already caused my rental applications to be denied, which is creating harm for me financially and personally. I am requesting the CFPBs assistance in having these accounts fully validated, corrected, or removed from all credit reports if the companies can not provide proper proof.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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