vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My father passed away in XX/XX/year>. I'm his only heir and didnt have much money for a lawyer, but I was able to file a XXXX XXXX XXXX XXXX XXXX  without legal assistance because the total value was under {$100000.00}. With a Set Aside, instead of receiving documents to open an estate account, the probate court issues a court order instructing that all assets be distributed directly to me. 

This process worked fine for his primary bank account and a few other matters. However, he also had a secured credit card with Synchrony Bank backed by a {$1000.00} deposit. After settling his final monthly expenses, the remaining balance is {$970.00}. Synchrony Bank acknowledges the balance, but states they can only issue a check either in my deceased father 's namewho obviously can not deposit itor to his estate, for which no account exists and I'm unable to open XXXX. They have told me it is simply against their policy to comply with the court order, which states it should " distributed outright '' to me. 

Heres a summary of what Ive tried so far : XXXX : I called Synchrony Bank XXXX times ( from call logs : XXXX ). The issue was eventually escalated to a manager, who advised me to email the court order to XXXX. 

XXXX : I sent the court order to XXXX but never received a response. 

XXXX : I called Synchrony Bank XXXX more times ( from call logs : XXXX, a number they had previously provided for these matters ), but again received no help. 

XXXX : I sent a certified letter demanding the {$970.00} balance. It included the court order and death certificate. I have the receipt, as well as copies and photos of all contents. I received no response. 

Out of frustration, I put the matter aside for a while, unsure of what else to do. Its now been over a year since my father 's passing, and Id simply like to resolve this and move on.

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 2025-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: OK

Complaint narrative:
I called XXXX to address the account on my file that I did not open. Therefore representative told me it could be fraud since I stated I did not open this account. I asked if the checked ID during the time the account was opened I did really get an answer besides that it depends on the information provided and who helped open the account. The representative filed a complaint for fraud account opened. Told me it would take 7-8 days it has been and I still see this account on my report. I called sources receivable to ask information about the debt they stated I have to pay them a fee in order for them to tell me anything I felt that was not correct or fair. The amount XXXX told me was {$320.00}. I have not opened a XXXX for any services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request to Block Unauthorized Information Under FCRA Section 605B To Whom It May Concern, I am writing to formally request that you block and remove certain information from my credit report, as required under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c2 ].

The information listed below has been reported on my credit file without my consent or authorization. Please remove this information from my credit report within four ( 4 ) business days and send written confirmation once completed. 
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 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 If you have any questions or require additional documentation, feel free to contact me via email. 
Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2025-07-13 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: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
as I checked my credit report, I saw unauthorized accounts open in my name from midland credit/XXXX XXXX XXXX I had no knowledge of these accounts nor I gave anyone consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute regarding a reported balance of {$11000.00} through XXXX online platform ( XXXX ), in response to an invalid debt submitted by XXXX XXXX XXXX. The original creditor was previously notified in writing that the charges were being formally disputed and involved inflated, unsupported and fraudulent fees. 

TSICOs site stated that my account would be updated the next business day. However, I never received a confirmation email, time-stamped acknowledgment, or follow-up of any kind. I have no formal record that my dispute was accepted or processed, and no one has contacted me to validate the debt. 
The debt has not yet been reported to credit bureaus, but it remains unresolved. The lack of acknowledgment, transparency, and follow-through raises concern that the collection agency is not operating in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

This debt was legally contested long before it was handed to collections. By doing so, XXXX violated the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). XXXX, in turn, failed to acknowledge my formal dispute submitted through their platform. 

Additionally, the amount listed on XXXX website ( {$11000.00} ) differs from the itemized breakdown provided by the original creditor, XXXX ( {$11000.00} ), showing a discrepancy. This inconsistency calls into question the accuracy and validity of the debt and further justifies my dispute under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see it this is actually an account that belongs 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 2025-07-13 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: FL

Complaint narrative:
Filing address reported back from the company is inaccurate and the company also failed to show proof of an agreement that I authorized to collect on this alleged debt. Agreements that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor.Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor and alleged account number. Address on file for alleged debtor, amount of alleged debt, date this alleged debt became payable. Date of original charge off or delinquency, verification that this debt was assigned or sold to collector. Complete accounting of alleged debt and commission for debt collector if collection efforts are successful.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent charge-off and collection accounts on my credit file resulting from identity theft and a confirmed data breach. 

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : XXXX. XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$300.00} XXXX. XXXXXXXX XXXX XXXXXXXX {$200.00} XXXX. XXXX XXXX ( XXXX XXXX ) XXXX {$1200.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2800.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4200.00} XXXX. XXXX XXXX XXXX {$1600.00} XXXX. XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$10000.00} XXXX. XXXX XXXX XXXX XXXX {$1100.00} These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within 4 business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent noncompliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: MN

Complaint narrative:
I discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent charge-off and collection accounts on my credit file resulting from identity theft and a confirmed data breach. 

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : XXXX. XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$300.00} XXXX. XXXXXXXX XXXX XXXXXXXX {$200.00} XXXX. XXXX XXXX ( XXXX XXXX ) XXXX {$1200.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2800.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4200.00} XXXX. XXXX XXXX XXXX {$1600.00} XXXX. XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$10000.00} XXXX. XXXX XXXX XXXX XXXX {$1100.00} These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within 4 business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent noncompliance

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 2025-07-14 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:
I am writing to formally notify you that I am a victim of identity theft due to a data breach. Certain accounts listed on my credit report were opened or used fraudulently without my knowledge or authorization.

Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that all accounts resulting from this identity theft be permanently blocked and deleted from my credit file.

The following information is being provided in support of my request : 1. A copy of a government-issued photo ID ( e.g., drivers license or passport ).

2. Proof of current address ( e.g., utility bill, lease agreement, or bank statement ).

3. A copy of a police report or Identity Theft Report filed with the FTC.

4. A list of the fraudulent accounts appearing on my credit report, which I am requesting be blocked and removed. 
The fraudulent accounts I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate this matter and permanently block and delete these items from my credit report as required by federal law. I also request written confirmation that this action has been taken. 
If you require any further information or documentation, feel free to contact me by mail or phone. 
Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year> I have not allowed Experian, TransUnion XXXX Equifax XXXX XXXX XXXX Services to access my information/data. They did not have my direct authorization to use or gain access to my data. This is a clear violation of FCRA and need this removed from my credit report. Also attached it a copy of my fraud report as well since fraud has been committed

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 2025-07-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year> I have not allowed Experian, TransUnion XXXX Equifax XXXX XXXX XXXX Services to access my information/data. They did not have my direct authorization to use or gain access to my data. This is a clear violation of FCRA and need this removed from my credit report. Also attached it a copy of my fraud report as well since fraud has been committed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX Capital one inquiry on my XXXXXXXX credit repord i dont recognize.inquiry date XX/XX/XXXX please remove this inquiry from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the immediate removal of a derogatory and fraudulent account currently appearing on my credit report with XXXX. The account in question is reported by XXXX XXXX under account number XXXX XXXX XXXX XXXX XXXX with a balance of {$620.00}, opened on XX/XX/XXXX, and listed as Collection/Charge-Off under the telecommunications category. 

I am a victim of identity theft, and I did not authorize, open, or use this XXXX XXXX account. I first became aware of this fraudulent account on XX/XX/XXXX, when reviewing my credit file. This debt was incurred without my knowledge or consent and constitutes a direct violation of my consumer rights under federal law. 

In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B, I have taken the following actions : Filed an Identity Theft Report with the Federal Trade Commission ( FTC ) ; Submitted a police report ; Provided a sworn statement affirming that I did not initiate this account. 

Under the FCRA, XXXX  is legally required to block and remove any information that results from identity theft within 4 business days upon receipt of proper documentation. As such, I am requesting that XXXX immediately delete this XXXX XXXX account from my credit report and cease all reporting and distribution of this false information to third parties. 

Please find attached the following supporting documentation : A copy of my FTC Identity Theft Report ; In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that this item be immediately removed from my credit file. Specifically, I invoke my rights under the following FCRA provisions : FCRA Section 605B ( 15 U.S. Code 1681c2 ) Requires consumer reporting agencies to block information resulting from identity theft within four business days of receiving appropriate proof, such as a police report and a sworn identity theft affidavit.

FCRA Section 611 ( 15 U.S. Code 1681i ) Grants me the right to dispute inaccurate or fraudulent information and mandates that credit bureaus investigate and correct or delete any information that can not be verified as accurate within 30 days.

FCRA Section 623 ( a ) ( 6 ) ( 15 U.S. Code 1681s2 ( a ) ( 6 ) ) Requires furnishers of information, like XXXX XXXX, to not report information they know or have reason to believe is the result of identity theft. 

I have already filed a report with the Federal Trade Commission ( FTC ) and a local police department, and I am enclosing the following documents to support my 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 2025-07-13 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: NJ

Complaint narrative:
Ask to delete old address and wrong names and close accounts

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