vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am filing a complaint against Online Information Services , Inc . I recently discovered that they placed a debt on my credit report, but I have never heard of this company and have never had any direct dealings with them.

Key Issues : Online Information Services is reporting a collection account to the credit bureaus without my knowledge or consent. 

I have never received any notice, communication, or debt validation from this company. 

I can not confirm whether this debt belongs to me, and they have not provided any proof that they legally own or were assigned this alleged account.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), debt collectors must provide the name of the original creditor and full validation upon request.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), furnishers must ensure that information they report is accurate and verifiable. Online Information Services has failed to do so.

Requested Resolution : Require Online Information Services to provide full validation of this alleged debt, including the original creditors name, complete account records, and proof of assignment. 
If they can not validate, require immediate removal of this tradeline from all consumer credit reporting agencies ( XXXX XXXX and XXXX ).

Prohibit Online Information Services from continuing to report or collect on this alleged account without proper validation. 

Investigate their practices for compliance with federal law. 

This alleged account is harming my credit and preventing me from rebuilding financially. Since I have never heard of Online Information Services, I respectfully request immediate CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: MD

Complaint narrative:
I have found myself in the urge financial hardship through divorce. and about to loose my house for mortgage payment delay. All minimum payment for my debt have been increased. I was not able to afford a single payment. 

I have contacted National Debt relief company to help me get out of that situation. no one around me was able to give me a clear information about National Debt release Company. 

National Debt relief company made the arrangements with that ; they will consolidate my debt and I will pays to them {$300.00} every two weeks. they said once they will receive that money from my bank account, they will pay those debt for me until the complete debt be pay off. 

The first payment XXXX {$300.00} start on XX/XX/XXXX the second payment of {$300.00} on XX/XX/XXXX and the last payment of {$300.00} that is the XXXX was on XX/XX/XXXX. 
with a total amount of {$8700.00}. 

I have received a notice that my debts have been transfer to debt collector because I have stopped the payment. I have contacted National Debt relief company they put me on hold for longtime they never come back to me several time the same attitude. 
I have contacted my bank company to stop any payment to National debt relief Company. And the same time, I have contacted National Debt relief Company for refund for service not fulfill .But National Debt Relief company never refunding me up to this present. 

Thank you in advance for helping solve this issus sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute fraudulent accounts and inquiries that appear on my TransUnion credit report. I am a victim of identity theft and under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting that these accounts and inquiries be blocked and removed immediately. 
The following accounts were opened fraudulently in my name and are not mine : Home Depot/CBNA WebBank/Fingerhut The following inquiries were also made without my knowledge or authorization : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-09-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my Experian credit report, I discovered multiple inaccuracies that misrepresent my payment history and account status. These inaccuracies include false late payments, charge-offs, and collections accounts that do not belong to me. 

Accounts in Dispute False Charge-Offs and Late Payments ( My Accounts ) XXXX XXXX XXXX XXXX  / XXXX XXXX  XXXX Charge-off reported incorrectly XXXX  Lending LLC XXXX Charge-off reported incorrectly XXXX XXXX / XXXX  XXXX  XXXX Charge-off reported incorrectly XXXX  / XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX  / XXXX  XXXX Charge-off reported incorrectly XXXX XXXX XXXX XXXX Charge-off reported incorrectly Mosaic XXXX Charge-off reported incorrectly Affirm, XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX Charge-off reported incorrectly XXXX, XXXX XXXX Charge-off reported incorrectly XXXX XXXX XXXX  XXXX XXXX XXXX Closed account reported as late XXXX  / XXXX  / XXXX  XXXX XXXX account reported as late Accounts in Dispute Charge-Offs XXXX Collections Not Mine : XXXX XXXX  Credit Union XXXX Charge-off does not belong to me Collection Management CompanXXXX XXXX Collection does not belong to me XXXX XXXX XXXX XXXX Collection does not belong to me Consolidated XXXX XXXX XXXX Collection does not belong XXXX XXXX XXXX XXXX Service XXXX Collection does not belong to me XXXX XXXX XXXX XXXX does not belong to me XXXX XXXX XXXX XXXX XXXX Collection does not belong to me XXXX XXXX XXXX XXXX Collection does not belong to me Resurgent XXXX XXXX XXXX Collection does not belong to me Resurgent XXXX XXXX XXXX Collection does not belong to me XXXX XXXX XXXX XXXX Collection does not belong to me XXXX XXXX XXXX XXXX does not belong to me I have consistently maintained timely payments for the accounts that are mine and have never missed any payment obligations. The other listed accounts are not mine, and I have no association with them. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies are required to maintain accurate information and promptly investigate disputes. I request that each of these items be thoroughly investigated. I also request that : Any account inaccurately reporting late payments or charge-offs be corrected to reflect my timely payment history. 

Any account or collection that does not belong to me be removed from my credit report immediately. 

Verification documents supporting any reported late payment, charge-off, or collection be provided. 

Failure to provide supporting documentation should result in the removal or correction of the inaccurate items. I expect confirmation once my report has been updated and corrected.

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 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
Dear XXXX  Compliance Department, I am formally disputing the accuracy and completeness of the following account that appears on my credit file : Creditor : XXXX XXXX XXXX ( Debt Buyer ) Reported Balance : {$34000.00} Date Opened : XX/XX/XXXX This tradeline violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e & 1692g ) for the following reasons : Unverifiable Debt No original creditor, contract, or itemized statements establishing the alleged obligation are identified. Reporting without proof is a direct violation of FCRA 611 ( a ) ( 1 ) ( A ), which requires deletion of unverifiable information.

Incorrect Reporting of Balance The reported High Credit and Balance are identical at {$34000.00}, yet no payment history, charge-off date, or substantiating evidence is shown. This is misleading and inaccurate under FCRA 607 ( b ).

Improper Collection Reporting Debt buyers often lack chain of title. Unless XXXX XXXX produces legal assignment documents proving ownership, reporting violates FDCPA 807 ( 2 ) ( A ) ( false representation of character, amount, or legal status of a debt ). 
Outdated / Misleading Reporting The alleged Date of First Delinquency is listed as XX/XX/XXXX. Under FCRA 605 ( c ) ( 1 ), a collection account must be reported from the original DOFD, not when a debt buyer re-lists it. 
Because this account is inaccurate, incomplete, and unverifiable, I am demanding immediate deletion from my credit file. 
Please conduct a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ) within 30 days. If this account can not be fully verified with documented proof ( original signed contract, complete payment history, and valid assignment of debt ), it must be deleted permanently.

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 2025-09-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently review a copy of my credit report alot of inaccuracies reporting under this account and it is hurting my ability to obtain credit. It is my understanding that you will conduct a investigation for me to ensure maximum accuracy of this account below XXXX XXXX XXXX - * XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Pay pal charge {$1000.00} in my credit card account after this account was closed I did request to close my accounts for the following reasons XXXX Fraudulent Transactions were recorded and charged to me. 
XXXX XXXX XXXX transactions did not reverse and charge me back XXXX suggested a new credit card to stop the fraud but they keep charging me those fraudulent charges XXXX do have other credit card with other institutions do not need this XXXX credit card. 
XXXXUnsual transactions recognized but the customer services but finally they changed tehir mind and denied the disputes XXXX-I cant stop bank charges, XXXX do not care this account is closed they reopened fraudulent transactions and charged me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 2025-09-22 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 non-monetary relief
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  : XXXX The original loan company who were very hard to reach out to sold my account to Bounce ai supposedly. I had a set amount out of my direct payroll going to XXXX because they were so hard to reach when I had financial problems and still experiencing the problem but they would harass me by calling repeatedly and at times I could not answer. Was paying them then I get a email saying that XXXX has sold to bounce ai so I did set up a payment plan only to realize that my money was still going directly from my payroll to XXXX so at this point I think that they are scamming them so I stop the payroll payment then get a email from bounce saying that they are still connected XXXX and to continue the payments so why would I still pay a company that XXXXm no longer involved with and still have to pay bounce ai got to where Im already in debt struggling and started having returned payments towards my car payments and utilities. And on top of that sending me emails like threats pay or make a payment arrangement or we gon na report to the bureaus on top of all the emails they have been sending me I know its them that are continuously calling my phone using fake numbers from all over the place I had a long list of numbers when trying to call back I only get welcome to XXXX XXXX you have reach a number that is no longer available please hang up and try your call again note I have a young child in school so when I see a XXXX number or a XXXX number Im panicking so I reached out to bounce ai so proof of documents sent to my email address and documents from the original lender which I did do a complaint on them and they gave the bounce AI Information but why was they still trying to get money through my payroll if the loan was sold I also asked that bounce stop calling with fake numbers because it was stressing me out and I know it was them I am asking that they stop harassing me because of this debt I go on the website to print out all the paperwork the paperwork doesnt make since on the app and only has payment I have made and a direct deposit slip from XXXX this is why I ask for more proof email or they can mail to my address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: DISCOVER BANK
State: TX

Complaint narrative:
I had a Discover Credit card account which was closed. I requested it be closed due to poor customer service. The card kept on charging me for items or purchases that I did not make. After giving me the run around for a long time it was settled and they closed my account on my request. I have not contacted nor accepted any correspondence from discover since then. It had been approximately 6 months that my account was closed. Today, my husband opened an envelope addressed to me from Discover which states that I owe Discover {$920.00} for charges that I did not make which is not possible because I don't even have a credit card account with discover. The statement contains a credit card number for an account that I did not open. I am afraid that this fraudulent charges might affect my credit history and or financial status. I called Discover and the person on the other end told me that they received my complaint already and their security department is looking into it.. But this is the first time I called them because this is the first time I became aware of this questionable if not fraudulent practice by Discover Please help me stop this company from charging me and if applicable penalize it for opening a credit card in my name without my knowledge. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
XXXX XXXX credit card charged interest of {$15.00} on XX/XX/XXXX. The agreement states for new account opened there is no interest for 8 months from time opened the account which I opened around XX/XX/XXXX. Also, they have not refunded me the amount of {$110.00} back in XX/XX/XXXX. I have contacted them and XXXX XXXX company which they are affiliated and both ends did not resolve anything.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Citicard offered a Balance Transfer with a {$400.00} one time fee. 
XX/XX/2025 I called to clarify how to use the check. I was told to write the check ( {$8000.00} ) and deposit it in my bank. 
XX/XX/2025 I received a random text message asking me to approve a {$8400.00} charge Yes or No? If I didn't respond then it would be denied. I didn't expect a follow-up communication so I ignored it. The text was random and the amount wasn't correct ( {$8000.00} ). Later that day I noticed an email addressed as " Fraud Alert ''. This procedure should have been explained when I called to ask " about the procedure and what to expect? ". They could have easily said, " After depositing the check, you'll need to confirm the transaction by BOTH text and email ''. 

That's when I called Citi card directly. I spoke with " Someone '' at XXXX. I told her that I responded to the email, but not the text because I thought it was a SCAM. SHE told me that because I didn't respond to the text in time that the check would not be honored. I told her that I was trying to avoid the XX/XX/XXXX weekend bank shut down. Is there anything we can do to approve the original check. She said no. So I asked her if I wrote a second check, would I be charged twice for the balance transfer fee? She responded that the first check was denied. I said one more time, I don't need {$16000.00}. I don't want two {$400.00} fees. She repeated again that the first check was denied. 

I wrote the second check and was charged another {$400.00} fee. I waited a few days after the XX/XX/XXXX weekend for everything to clear and be reversed. I called on XX/XX/XXXX and was told that they don't reverse fees, but she would submit my request. I waited a few more days and again... no bank reversal and I received nothing from Citi bank. 

I called again, explaining my situation. This time the lady taking my report said it could be up to 30 days! I told her that I want to put the {$8000.00} back because I didn't request it and i don't want their money in my bank while i wait for a decision. I asked what was the best way to proceed and she said I could make a payment. That's when I made a {$8000.00} payment and asked her to make a notation that the funds were an error on the part of customer service. 

I finally received an official response saying that they would not reverse the {$400.00} transfer fee. I called and asked that the recordings be reviewed. If I have to pay {$400.00} than someone should lose their job. In reality I don't want anyone fired, I just want the fees reversed and definitely a verbal reprimand as a lesson learned. 

I've been a member for over 30 years and I've NEVER had a problem. I'm done with Mastercard!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief