vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX  Date Updated XX/XX/XXXX High Balance {$6600.00} Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
I am writing to formally dispute several accounts and inquiries listed on my credit report that are fraudulent and were not authorized by me. My personal information was used without my consent, and I am a victim of identity theft. I did not open these accounts nor authorize the associated inquiries. 

I am requesting that all fraudulent accounts and unauthorized inquiries be thoroughly investigated and removed from my credit file immediately. Please update my credit report to reflect accurate and verified information only and provide written confirmation of the outcome of your investigation. 

Please see attached with the following accounts, dates and amount. 

Thank You 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 non-monetary relief
Consumer complaint received 2025-04-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several accounts and inquiries listed on my credit report that are fraudulent and were not authorized by me. My personal information was used without my consent, and I am a victim of identity theft. I did not open these accounts nor authorize the associated inquiries. 

I am requesting that all fraudulent accounts and unauthorized inquiries be thoroughly investigated and removed from my credit file immediately. Please update my credit report to reflect accurate and verified information only and provide written confirmation of the outcome of your investigation. 

Please see attached with the following accounts, dates and amount. 

Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: TX

Complaint narrative:
In XX/XX/XXXX this account hit my collections. I took out a loan two years because of a bad financial situation with XXXX XXXX. I asked net credit for a better payment plan. There was confusion on the payments and they sold the debt to a collection agency Plaza Services LLC in XX/XX/XXXX. I am now in a better financial situation to make payments to the debt collection agency and I can not login to my debt collection account with Plaza services LLC it is saying account not found. I have called and emailed this week XX/XX/XXXX to try to get a reason why my account is saying not found. I try to make payments by phone and no ones answering the phone and no one is answering my emails. I sat on hold with plaza services and I can not get a human person or robot to answer the phone and it just eventually hangs up. I called net credit to try to make a payment and they said since they have sold the debt I have to make a payment with the collections agency. I have also never received an email, phone calls, nor physical mail from Plaza services to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

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 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I received a major drop in my credit score and was notified that my perkins loans was in default. I have not received any notification regarding payment and when I logged into the site, I see that payments are not due until XX/XX/year>. I am very confused and worried. I am not sure what the method of communication is but I have not received any notification or even a warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Heres a draft you can use for both the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX You can submit the same complaint to both : Subject : Misleading Information and Unfair Interest Charges CareCredit ( Synchrony Bank ) To Whom It May Concern, I am submitting this complaint regarding my experience with CareCredit, issued by Synchrony Bank.

I was led to believe by a CareCredit representative that I would be charged 29 % interest monthly on my balance, not annually. Based on this information, I chose to close my account to avoid what I understood to be excessive and compounding monthly interest. However, after further research, I discovered that the 29.99 % figure refers to an annual percentage rate ( APR ), not a monthly rate. 

This is a significant and misleading misrepresentation of terms, and it directly influenced my financial decisions, including prematurely closing my account and limiting my access to needed credit. CareCredits structure of deferred interest also presents a deceptive riskinterest is retroactively charged if the balance is not paid in full within the promotional window, which was not clearly disclosed at the time of account opening. 

I believe this lack of transparency, coupled with incorrect verbal information from their representative, is grounds for a formal investigation and public warning about these practices.

I respectfully request : A review of CareCredits employee training and disclosure practices Clarification of my accounts final balance and interest charges Removal of any negative remarks on my credit report related to this misunderstanding Please let me know the status of my complaint and any recommended next steps. I have documentation of my account, communications, and account closure confirmation if needed. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
Account that are old and no longer active. Accounts that have been discharged and sold to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: WV

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-04-22 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: NC

Complaint narrative:
No, I returned the vehicle due to it being defective. The gas tank has a manufacturing issue and there was no recall for the issue. The car would have been kept and bought had it worked as advertised. Additionally this was a known issue that XXXX did not disclose when I leased the vehicle. Upon turning in the vehicle for the reason of it being defected and virtually useless for the business it was intended for, I was told by the XXXX XXXX XXXX that I wouldnt owe a penalty because I was joining the military. My account says it was paid as agreed and therefore the lease should be terminated. It is fraudulent to sell vehicles with known issues and not disclose those issues to the consumer. XXXX also tried to send a bill of over {$10000.00} to my old mailing address in CT and has now changed it to XXXX +. The Vehicle was sold under a false pretense. It did not come as advertised. The gas tank held a fraction of the amount it was suppose to hold. This would fall under lemon law because there was no recall for the vehicle. I was told but the XXXX XXXX that this was unacceptable and I could return the car. Eventually as conversation went on, he had mentioned that since I was joining the military that would also be something in my favor pertaining to turning the vehicle in early. The main issue here is that this vehicle had a major issue without recall and was leased without the disclosure of these issues. 
XXXX can not lease out a brand new vehicle while knowing of a widespread manufacturing issue yet not disclosing it to the customer. That is fraudulent. The car didnt do what it was suppose to do. It held less gas than my XXXX XXXX did at the time. This defeated the purpose of why the vehicle was purchased.

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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: ID

Complaint narrative:
On XXXX, I activated an offer from Netspend via their XXXX XXXX that would give me a {$30.00} credit for activating offer and completing a debit card transaction on my XXXX XXXX XXXX account of at least {$65.00}. I made the purchase on XX/XX/year> of {$65.00}. The offer said that the credit would post within 5 business days but that has not happened. The offer is still up so the maximum redemptions has not occurred. I sent secure messages to them and they are not giving me the credit. I have had numerous issues with Netspend cards not paying out their rewards on their cards. Please help me with once again getting Netspend to honor their promotions.

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 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: MS

Complaint narrative:
I am receiving text messages from Halsted Financial Services saying I owe a XXXX XXXX XXXX a debt, when I don't have a XXXX XXXX XXXX account. I checked three credit reports and none of them reflect any kind of debt. This definitely is a scam in my eyes or someone took a credit card in my name or with my number. All to say, this is not my debt and I am scared to answer the text, click on any link, or even call the number they've provided. 

The first text message I got was XX/XX/year> at XXXX XXXX through the number XXXX. It states : " This text is from Halsted Financial, a debt collector regarding your XXXX XXXX XXXX XXXX. ( for which the current creditor is XXXX XXXX XXXX ) account. Visit XXXX XXXX XXXX XXXX Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. Reply STOP to opt out. 

I did not answer of course, because I don't have that card and I've looked online and it seems they have lots of scam claims. 

The second text message I got was XX/XX/year> at XXXX XXXX through the number XXXX. It states : " Visit XXXX XXXX XXXX or call XXXX to take advantage of payment options on your outstanding balance of {$630.00} for your XXXX XXXX XXXX XXXX XXXXXXXX. account. 

Pay : - {$440.00} in up to 6 monthly payments 30 % off, that's a savings of {$190.00}! 
- Payments as low as {$75.00} - {$630.00} in up to 16 payments - One time payment of {$630.00} This text is from Halsted Financial, a debt collector. Reply stop to opt-out '' This seems very sketchy to me and like a scam. I have not received anything in my mail, nor emails. To me this is clearly a scam or someone made a false account with my name or number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MI

Complaint narrative:
I am submitting a complaint to formally dispute the accuracy of certain information on my credit report. After reviewing my credit file, I have identified discrepancies in the payment history of my account, which is inaccurately reported as having late payment. 
XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} I strongly believe that I have made all payments on time for this account and that the reported late payment is erroneous.

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 2025-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
CFPB Complaint Summary Improper Debt Handling During Active Dispute Consumer Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account/Reference Numbers : Radius Global Solutions LLC 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  : I submitted a formal dispute with XXXX  regarding a collection account reported by Radius Global Solutions LLC for an XXXX XXXX XXXX XXXX XXXX. Radius was claiming I made payments on the account, which I never didraising serious concerns about account re-aging, especially as the XXXX reporting limit in XXXX  was approaching. 

XX/XX/2025 : I received a collection notice from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, stating they were now collecting on the same XXXX XXXX XXXX debt ( account # XXXX ). This was confusing and concerning, as my XXXX  dispute with Radius was still ongoing and no notice of debt transfer or resolution had been communicated. 

XX/XX/2025 : I received XXXX more letters : XXXX. A letter from Radius Global Solutions, dated XX/XX/XXXX, stating they had returned the debt to XXXX XXXX XXXX and were no longer collecting. 


XXXX. A letter from XXXX, dated XX/XX/XXXX, confirming that the collection account from Radius had been DELETED from my credit report. 



XX/XX/2025 : I received the above documents in physical mail and began reviewing the timeline and legality of the actions taken. 



-- - Why Im Filing a Complaint : XXXX sent a collection notice on XX/XX/XXXX, even though Radius did not officially return the debt to XXXX XXXX XXXX until XX/XX/XXXX. 

This suggests that the debt was transferred or resold during an active dispute, which I understand to be a violation of the FCRA and/or FDCPA. 

Radius falsely reported paid activity to potentially extend the life of the debt on my credit file. 

I was never notified of the debts reassignment prior to receiving XXXX letter. 

No validation of the debt has been provided by XXXX, despite my dispute email sent to 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 2025-04-22 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: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX They were a part of my bankruptcy. Just did another dispute and they refuse to update the information. 

Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type UnsecuredResponsibilityIndividual Date Opened XX/XX/XXXX Status Closed. {$8300.00} written off. 
Status Updated XX/XX/XXXX Still will not update Status or Payment history. It was done previously

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 2025-04-22 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCD Financial, LLC
State: NY

Complaint narrative:
I am writing this as a formal complaint as already filed with Ftc i've been instructed to also file a report with consumer financial protection bureau i was a vitcitim of identity theft and there was a false account opened in my name i am making sure that this report is filed as a follow up to my Ftc claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this correspondence regarding a credit reporting dispute that has remained unresolved well beyond the XXXX statutory window provided by federal law. Despite initiating the dispute over 30 days ago, it continues to show as " dispute in progress '' without resolution or further communication from your agency. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and must complete this reinvestigation within 30 days of receiving the dispute. If additional information is provided during this period, an extension of no more than 15 days may be granted under 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) ; however, I have not been asked to provide such information nor have I received any justification for this delay.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information can not be verified during the reinvestigation, it must be deleted from the file of the consumer. Since your agency has failed to complete the reinvestigation within the allowed time frame, and no evidence has been produced to support the continued reporting of the account, it is legally appropriate and necessary to delete the account from my credit report. 

Furthermore, per 12 U.S.C. 5534, the CFPB mandates that consumer complaints be handled in a timely and responsive manner. The prolonged inaction and failure to complete the reinvestigation violates this directive and further supports my request.

Company response to consumer: Closed with explanation