vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Complaint and Dispute Regarding Inaccurate Credit Reporting Under FCRA and FDCPA To Whom It May Concern, This letter serves as a formal complaint and dispute regarding inaccurate and unauthorized entries appearing on my credit reports. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ).

I have not granted written consent to any party to furnish or access my personal consumer report. Therefore, any reporting done without such consent constitutes a violation of federal law. Furthermore, the continued presence of the following items on my credit reportscollection accounts, closed accounts, and inquiries ( both hard and soft ) are false, inaccurate, or unverifiable, and must be removed immediately. 
Credit reporting is a form of communication under the FDCPA. As such, all reporting done without my direct, written permission is unlawful. I am requesting a full investigation and intervention from the CFPB to ensure my rights are upheld and that all unverifiable or unauthorized entries are removed promptly. 
I have enclosed copies of my identification and proof of address to verify my identity. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Account was opened in my name through sync bank/ Amazon credit card back in XXXX last year. My lack of checking my credit reports let this go on for over half a year until I noticed a drop in my credit score on XXXX  today XX/XX/XXXX. Called sync back filed report got account closed. They said they will do an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
Subject : Urgent Demand for Immediate Rectification of Inaccurate Credit Data- Gross Negligence of 15 U.S. Code 1666b and Other FCRA Statutes I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX  - XXXX - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 
I am deeply disappointed to reiterate, as mandated by 15 U.S. Code 1666b, creditors are obligated to dispatch periodic statements, encompassing all details stipulated in section 1637 ( b ), a minimum of 21 days prior to the payment deadline. This stipulation is designed to ensure that consumers are afforded adequate time to receive, scrutinize, and settle their dues without facing unjust repercussions for tardy repayments. 



Moreover, the Fair Credit Reporting Act ( FCRA ) unequivocally demands that credit reporting agencies and information furnishers promptly rectify all erroneous or deficient data in credit reports and guarantee the utmost precision of information found in consumer files.

Furthermore, it is imperative to highlight the importance of adhering to the regulations outlined in the Protection Against Non-Payment of Obligations Act ( PAANL ). Failure to promptly provide statements to debtors may result in unjust consequences for the consumers.

Moreover, within the confines of the FCRA, segments 616 and 617 ( 15 U.S.C. 1681n and 1681o ) delineate the civil repercussions for intentional and careless nonobservance, respectively. These stipulations encompass compensatory damages, legal costs, and potential exemplary damages, for neglecting to adhere to the mandates of the legislation.

The flagrant disregard for these regulations has led to the occurrence of tardy payments on my credit report, causing a detrimental impact on my credit score. This transgression represents a clear infringement of my entitlements under the FCRA.

I demand an immediate reinvestigation of my dispute and prompt correction of any erroneous information linked to these belated payments on my credit report. The particulars of the impacted payments are as follows : Date of reported late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-01 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: MA

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 explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
Please help me, I have attached supporting correspondence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
Please help me, I have attached supporting correspondence

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 2025-05-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I have a credit report from Genesis XXXX XXXX XXXX. My information was sold from XXXXXXXX XXXX in 2023 of the amount of {$3300.00}. I have been trying to get this issue resolved ever since it was added. I explained to the apartments complex it's explained them I paid before I moved out and told me they had system errors and couldn't find my payment. I had proof from bank statements that it was drafted literally didn't get any help so they decided to added as owe them. The amount paid when I moved out was {$1500.00} of XX/XX/year> which was the move out amount I had to pay. The fact that I have proof that has been sent to the spring field apartments which is managed by XXXX XXXX XXXX and the collection agency is ridiculous. I have reported serval times saying the information is correct. The address is removed from credit report but still showing an owe. I feel like my request are being ignored. I have called the collection agency they don't answer the phone majority of the time and the website is always down. Can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
Demand for Immediate Removal of Inaccurately Reported Bankruptcy I am formally disputing the inclusion of my XXXX [ XX/XX/XXXX ] bankruptcy this is my third attempt in the pass 30 days ( Case No. [ XXXX ] ) on my Equifax and Transunion credit report. This item is invalid and violates federal law, as confirmed by a court order dated [ XX/XX/XXXX ], which explicitly states this bankruptcy does not belong on my consumer report. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. The continued reporting of this bankruptcy is factually and legally inaccurate, as it has been discharged and invalidated by court order. Additionally, 15 U.S.C. 1681i ( a ) ( 2 ) requires you to correct discrepancies across all credit reports. Notably, XXXX  have already removed this bankruptcy, and Equifax and Transunion non-compliance creates an unlawful inconsistency. Please remove as soon as possible as this preventing me from supporting my family.

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 2025-05-01 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 2025-05-01 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-05-01 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One : XXXX XX/XX/XXXX Filed a dispute with XXXX  because these charges are incorrect. XXXX XXXX XXXX XXXX  XX/XX/XXXX {$260.00} filed dispute with XXXX  because these charges are incorrect. XXXX {$86.00} file dispute these charges are incorrect. XXXX  card filed dispute with experian I never had an account with them should not be a hard inquiry. XXXX XXXX XXXX XXXX was paid in full. XXXX XXXX XXXX  should not be a hard inquiry never made inquiry. XXXX XXXX XXXX XX/XX/XXXX no inquiry was made. Possible Fina {$250.00} the amount is incorrect filed dispute and it has not been removed. Per Fair credit reporting 15 USC 1681. I believe I was affected by the XXXX  credit breach. The address XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Fl does not belong to me. Also the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX does not belong to me have disputed this with XXXX  and it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-01 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: CA

Complaint narrative:
I am a victim of identity theft, and also a victim of several data breaches. I have unknown inquiries on my credit report that I did not authorize or give my consent from XXXX XXXX and XXXX XXXX  please remove immediately.

I have enclosed a copy of my identification and a copy of my bank statement proving my address.

Thank you.

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 2025-05-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft, and also a victim of several data breaches. I have unknown inquiries on my credit report that I did not authorize or give my consent from XXXX XXXX and XXXX XXXX  please remove immediately.

I have enclosed a copy of my identification and a copy of my bank statement proving my address.

Thank you.

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MN

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX charged me an annual fee of {$49.00}, they additionally are charging {$15.00} per month to maintain the account. These two fees to maintain the account are {$220.00} annually. The credit is {$550.00} therefore without the interest the annual fees for this card are Federally unlawful due to the cap of 25 % limit of the credit issued for the fees to maintain the credit card account. See below from Consumer Protection Board pasted. 

Caps on high-fee cards. If your credit card company requires you to pay fees ( such as, an annual fee or application fee ), those fees can not total more than 25 % of the initial credit limit. 

This is not a first year rule. It is for the account and laws regarding the issuance of credit. The charges are fees for the account and do not include penalty fees. The terminology they are trying to use eliminates the right to protection against predatory credit issuance. The fees for general maintenance of these accounts are now 41 % of the credit issued and are unlawful and credit fraud through terminology or swindling. 

This same company went on to charge me late fees of {$41.00} for XXXX XXXX, 2025 due date where two payments one prior to statement date closing on XX/XX/XXXX2025 was made prior to the due date and one after on XX/XX/XXXX2025 to make sure the XX/XX/XXXX 2025 due date payment was made on time. They attempted to state it was a time error despite 29 days earlier the payment was made correctly. They did state they would reverse it however as of this morning they have not. They additionally are collecting interest on those fees and credit issued. 

They do not waive the monthly maintenance fees if you pay the balance every 25 days. Therefore this is an annual fee and against the law. 

My name is recorded XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX, DOB XX/XX/XXXX, ending account with XXXX XXXXXXXX. Ending 4 digits of SSN XXXX. If I close the account I end up with XXXX XXXXt and have already been the victim of predatory credit stalkers. Including with hard inquiries with guarantted offers from the same company. XXXX XXXX I have filed complaints and apparently credit fraud against XXXX consumers is not your priority are you hiring people who care? 

Furthermore, XXXX did not provide a monthly statement for XX/XX/XXXX2025 on my account access however the payments section correctly documented the two payments one prior to cut off statement date and one after the statement cut off date and they are practicing accounting fraud through Statement manipulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: MI

Complaint narrative:
Created this account to pay bills easier. Has been nothing but a headache since I started. Backstory : I travel for work a lot so have to do most things digitally. I created this account on the road. After creating the accound I was unable to make a deposit for a week while they had a grace period. After that was able to pay fine only did a few transactions. I think that the account is ready and have another deposit sent. After waiting 3 days for the deposit to finally show up in my account. I go to pay bills with the account only to have it locked. The reason for the lock? I had an out of state login so my account is froze. I am in the same state I created the account in. I then get told it will take an additional 10 days to get my account working. I need my money 3 days ago. 

Key bank is the financial institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CA

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 explanation