vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
I did not owe the debt, but settled paid in full by me ; Bull City Financial sent letter to all credit agencies to remove the collection from my credit files permanently ; I am enclosing the letter XXXX XXXX XXXX XXXX removed but XXXX will not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a line of credit at XXXX. They are requesting four grand extra for interest charges on a 12 month XXXX APR agreement. They did not disclose the paid in full at the time and they misled me to believe that I would be charged interest after the 12 months but now I'm being charged for everything I paid plus what I owe. The line of credit was opened and now they are charging me interest for the full amount that I've been paying off over the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
Today I received a text message from a debt collector Amcol Systems with reference to owing XXXX XXXX in XXXX XXXX. I received no bill from XXXX XXXX, I was on hold for over XXXX minutes to Amcol Systems and no one came to the phone and I have tried XXXX  to call XXXX  times to speak with billing or the administrative office at XXXX XXXX XXXX and their incompetent call center will not let me and/or states those departments do not exist. No on has the legal right to send a collection agency after me without sending me a bill first which XXXX did not. The collection agency Amcol Systems did not have my permission to send me a text message and has also failed to provide a statement of proof that I owe anything. I have full XXXX and full XXXX, why do I owe anything?

Company response to consumer: Untimely response
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I made a transfer from my Capital One credit card to my XXXX account. The money was deducted from my XXXX XXXX card, but it never arrived in my XXXX account. I have called both Capital One and XXXX multiple times. XXXXapital One Bank insists that the check was issued and cashed by XXXX, and even sent me a copy of the check. However, XXXX can not find the check or the funds, and nothing shows up in my account. I am tired going back in forth with both banks.. but more capital oje bank,, spending more XXXX minutes talk to them .. no solution I spoke with multiple Capital One Bank XXXX supervisors, and XXXX of them assured me that the money would be returned. But that has not happened. I was later told that the check partially bounced, but I havent received any clear explanation or resolution. It has been almost XXXX months, and Ive spent hours calling and visiting both banks without any results. Im extremely frustrated, stressed, and just want my money back or a clear resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Sage LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, I authorized the payment of {$290.00} to a company called Credit Sage, who advertised that this payment would be used to pay off and remove a collection account from my credit report. They clearly marketed the charge as a direct resolution of the debt, not simply a consultation or credit repair fee. 

After the charge was made, the collection account remained on my credit report, and I received no confirmation or documentation that the collection agency had been paid or contacted. 

To date, the debt has not been resolved, no refund has been issued, and I have strong reason to believe this was fraudulent misrepresentation. They took my payment under false pretenses and failed to deliver what was clearly advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year>, my CareCredit account limit was reduced without any prior notice or written explanation. This occurred immediately after I made a significant payment. The limit was reduced to the exact amount of my new balanceeffectively negating the benefit of the payment and increasing my utilization ratio. 

Additionally, my payments from XXXX and XXXX were never reported to the credit bureaus before the limit reduction occurred. As a result, outdated or incomplete credit data appears to have been used in making this decision. 

When I contacted CareCredit ( Synchrony Bank ), I was given vague verbal explanations, but no formal adverse action notice has ever been provided as required under the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). No written record, verification, or internal complaint reference has been issued. 

I do not acknowledge liability for this account. Synchronys lack of transparency, failure to reflect timely payments, and legally unsupported credit limit reduction raise serious compliance concerns. I am requesting immediate regulatory review. 

CareCredit account screenshot shows reduced credit limit nearly equal to balance with no prior notice.

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 2025-05-19 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: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding an account that has been charged off, sold to another lender, and is now being reported inaccurately across all three credit bureaus Equifax, XXXX, and XXXX. 

The debt was sold to XXXX XXXX XXXX, which then sold it again to XXXX XXXX. Despite this, XXXX XXXX continues to report the charged-off account, causing ongoing harm to my creditworthiness. 

Additionally : The balance is {$0.00} The account is marked charged off, even though it is no longer with XXXX XXXX The account is well beyond the statute of limitations for debt collection and reporting in my state ( South Carolina, which has a XXXX statute of limitations on written contracts ) This violates several sections of the Fair Credit Reporting Act ( FCRA ) : 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or outdated information 607 ( b ) : Failure to ensure maximum possible accuracy 605 ( a ) : Prohibition on reporting obsolete information 611 : Consumers right to dispute and correct inaccuracies I previously disputed this debt, as shown in the comments of the credit report, and XXXX XXXX resolved the dispute but continues to report it in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding an account that has been charged off, sold to another lender, and is now being reported inaccurately across all three credit bureaus XXXX, XXXX, and Experian. 

The debt was sold to XXXX XXXX XXXX, which then sold it again to XXXX XXXX. Despite this, XXXX XXXX continues to report the charged-off account, causing ongoing harm to my creditworthiness. 

Additionally : The balance is {$0.00} The account is marked charged off, even though it is no longer with XXXX XXXX The account is well beyond the statute of limitations for debt collection and reporting in my state ( South Carolina, which has a XXXX statute of limitations on written contracts ) This violates several sections of the Fair Credit Reporting Act ( FCRA ) : 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or outdated information 607 ( b ) : Failure to ensure maximum possible accuracy 605 ( a ) : Prohibition on reporting obsolete information 611 : Consumers right to dispute and correct inaccuracies I previously disputed this debt, as shown in the comments of the credit report, and XXXX XXXX resolved the dispute but continues to report it in violation of federal law.

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 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To : TransUnion LLCXXXX. XXXX XXXX, PA XXXX Subject : Urgent Request to Remove Unauthorized Inquiries Dear TransUnion, I am writing to dispute several unauthorized inquiries recently reported on my TransUnion credit file. I was in the process of purchasing a home for myself and my XXXX children and was unfortunately denied due to a high number of recent inquiries. This was shocking to me, as I never applied for credit with the companies listed below : 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 XXXXXX/XX/XXXX I contacted these companies, and none of them have any record of an application or account in my name. These inquiries are inaccurate and unauthorized. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inquiries be removed from my TransUnion credit report within XXXX business days, as this situation is directly affecting my ability to secure a home loan for my family. 
Thank you for your urgent attention to this matter. 
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 2025-05-19 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: GA

Complaint narrative:
I have been trying to inquire about new purchases ; however, there is currently a fraud alert on my credit accounts that is preventing banks from accessing my credit information. This alert is blocking the approval process, and I am requesting that it be removed as soon as possible so I can proceed without further delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to inquire about new purchases ; however, there is currently a fraud alert on my credit accounts that is preventing banks from accessing my credit information. This alert is blocking the approval process, and I am requesting that it be removed as soon as possible so I can proceed without further delays.

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I was not aware of the charges. This debt does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - XX/XX/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 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I discovered that there are accounts appearing on my credit report that I did not open and have never used. Specifically : * XXXXXXXX XXXX XXXXe Account ending in XXXX, opened on XX/XX/XXXX, balance {$750.00} * XXXX  XXXX Account ending in XXXX, opened on XX/XX/XXXX, balance {$5100.00} These accounts are not mine and were opened without my knowledge or permission. I have never had any business relationship with XXXX or XXXX XXXX. I am requesting that these accounts be blocked and permanently removed from all of my credit reports. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c2 ), I have the right to have information resulting from identity theft blocked from my credit file once I submit a valid identity theft report. 
This situation has caused me a lot of stress and is affecting my financial well-being. I ask the credit bureaus and all involved parties to take this seriously and assist in removing this false information from my file as soon as possible. 
Thank you for your time and help. 
Sincerely, 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I discovered that there are accounts appearing on my credit report that I did not open and have never used. Specifically : * XXXXXXXX XXXX XXXXe Account ending in XXXX, opened on XX/XX/XXXX, balance {$750.00} * XXXX  XXXX Account ending in XXXX, opened on XX/XX/XXXX, balance {$5100.00} These accounts are not mine and were opened without my knowledge or permission. I have never had any business relationship with XXXX or XXXX XXXX. I am requesting that these accounts be blocked and permanently removed from all of my credit reports. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c2 ), I have the right to have information resulting from identity theft blocked from my credit file once I submit a valid identity theft report. 
This situation has caused me a lot of stress and is affecting my financial well-being. I ask the credit bureaus and all involved parties to take this seriously and assist in removing this false information from my file as soon as possible. 
Thank you for your time and help. 
Sincerely, 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 2025-05-19 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: GA

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX/XXXX/XXXX  - Began Mortgage application process and received loan estimate XX/XX/year> signed Notice of Intent to Proceed with Loan Application. On same date, Section XXXX - Loan & Property Information, identified Loan Amt {$140000.00} and property address as : XXXX XXXX XXXX # XXXX, with selling for {$160000.00}. Appraisal fee paid XX/XX/year> and Appraisal completed on XX/XX/year>, identifying value of said property @ {$170000.00}. Confusion began when application was transferred to processor, who asked for information already submitted on the website to loan officer. Processor stated she received mortgage package on XX/XX/year> and only needed name of XXXX XXXX  XXXX XXXX, which was provided as a Declaration Page had been secured. Then processor reported next step, this property being a condo, would be given to a third party to assess the property. All documents from the XXXX XXXX had been uploaded and provided with original mortgage application. Long story short today, XXXX received Notice of action as denial of credit request based on Value of collateral not sufficient. In the last six months properties at this same condominium have sold without any identified issues. I jumped through " hoops '' to provide all documentation for result. Issue with processor, unable to send documentation to her as her email address kept rejecting. The process was incredibly difficult and then to have application denied as not enough collateral. It was appraised higher than what was being financed.

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 2025-05-19 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: IN

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a XXXX XXXX XXXXr 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 2025-05-19 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: HI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation