vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NE

Complaint narrative:
stated debt is for XXXX XXXX XXXX XXXX. I don't ever remember this being our utility company We have not lived in that area since XXXX  when we moved to another state. This is the first correspondence I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
On XX/XX/2025, I mailed a certified dispute letter to TransUnion, disputing four accounts that I identified as fraudulent and resulting from identity theft : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX  XXXX XXXX Account # : XXXX In accordance with 15 U.S.C. 1681c-2 of the FCRA, I submitted all legally required supporting documentation including : A copy of my FTC Identity Theft Report ( Ref # XXXX ) A government-issued ID Proof of address A copy of my credit report highlighting the fraudulent accounts Instead of conducting an investigation or blocking the accounts, TransUnion responded with a generic letter claiming the request didnt appear to be from me. However, I mailed the letter directly, under my own name and address, and included all legally sufficient identity verification. TransUnion has failed to meet their obligation under the FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to investigate within 30 days, and 15 U.S.C. 1681c-2 ( a ) to block fraudulent information upon receipt of proper identity theft documentation. 

Their claim that the request wasn't " directly from me '' is unsubstantiated and appears to be a stalling tactic or improper refusal to act under the FCRA.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
the credit reporting agency only said the bankruptcy was mine didn't verify who said nor provide documentation.

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 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XX/XX/XXXX, I made a payment of $ XXXX store on my Sams Synchrony Mastercard credit card with a convenience check. This convenience check was mistakenly credited twice to Synchrony bank. I contacted the bank for the convenience check who acknowledged their mistake and corrected the issue on their side so that I only had one charge for the convenience check and not two. Synchrony Bank has said I still owe the original {$3000.00} which I paid with the convenience check. I lodged a dispute with Synchrony Bank and they credited my account pending their investigation. On XX/XX/XXXX they stated they could not find my payment and reversed the credit they had given me. I sent in additional information as indicated in the correspondence I received, and on XX/XX/XXXX, they sent correspondence saying " Our records indicate that the payment in question was applied to your account on XX/XX/XXXX in the amount of {$3000.00}. Please refer to your next billing statement for current balance and payment due. '' I thought this issue had been resolved. Then in XX/XX/XXXX or early XX/XX/XXXX, that payment was removed from account and I lodged another dispute and they credited my account again pending their investigation. All the documents I had sent before, I sent in again. They again reversed the credit stating they could not find a payment even though I had sent them a copy of the receipt provided to me at the store ( because they made me send in the original receipt when this started back in XX/XX/XXXX ) and a copy of the cancelled check. On XXXX XXXX, I again sent them all the information they requested which I had previously sent them. This included a copy of the cancelled check, front and back, a copy of the receipt, my statements from the account the convenience check was from ( XXXX ) and e-statements from my personal bank account. I received another correspondence on XX/XX/XXXX requesting a better copy of the cancelled convenience check so I contacted the bank the check was from and they emailed me another copy. This copy I sent to Synchrony via their website instead of mailing it so that they could enlarge it to see the detail as I was able to. 
They contacted me again and said they could not find a record of a payment. So now I am paying Synchrony {$3000.00} after paying the convenience check bank {$3000.00} that was supposed to have been used as a payment for the Synchrony account. I am not sure what else I can do as they have all the information to show I have made this {$3000.00} payment.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CO

Complaint narrative:
Jefferson Capital Systems LLC is reporting fraudulent information! They say they bought this debt from XXXX. I have not had XXXX  for YEARS and YEARS! {$750.00} for a phone. When I had a phone with XXXX  I paid monthly on top of my bill. There is NOWAY I owe for a phone. This also says this happened XXXX of XXXX. How would that be possible? XXXX was acquired by XXXX XX/XX/XXXX of XXXX. I had XXXX for YEARS before that. What I am demanding is that they show me exactly what they are charging me for. I want to see what i signed for and how I could possible owe {$750.00} for a phone, without paying it upfront or monthly. People don't just walk out with phones from a XXXX  store. This is ridiculous and it needs to be removed. I have contacted the XXXX  and reached out to an attorney as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/year> My balance sheet for the month of XXXX is XXXX XXXX and the reflected balance is XXXXXXXX XXXX to XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
XX/XX/year> My balance sheet for the month of XXXX is XXXX XXXX and the reflected balance is XXXXXXXX XXXX to 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 explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX account is not mines. I purchase clothes cas. I do not have any credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Good afternoon, My account appears closed on my credit report : Barclays bank GAP I have sent you two physical letters requesting Form 1099C, but I have not received any response, either negative or positive. 

The account has been closed since last year, and I want to use that form to file my XXXX taxes, which are only due by XX/XX/XXXX. 

I would like to know if I can access this document through you. 

Thank you very much.

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 2025-03-23 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of the dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolve. The consumer financial protection bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systemic issues, such as failing to forward consumer-provided evidence to furnishes accepting unreliable responses and failing to adequately notice consumers of dispute outcomes. These failures align with my experience, Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the dispute accounts as experians inaction violates federal law and my right as a consumer

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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I sent a certified debt validation/verification request letter to LVNV FUNDING LLC XXXX which was confirmed delivered by USPS with proof of receipt on XX/XX/year>. This invoked my rights under FDCPA 809 ( a ) & 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), which requires that the company cease all collection activity until validation is provided. 

However, on XX/XX/XXXX, XXXXbefore providing any validation/verificationthey mailed a letter stating they had initiated a review, but included standard debt collection language : This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. 

This constitutes continued collection activity during the validation window, which violates : FDCPA 809 ( b ) for failing to cease collection. 

FCRA 623 for potentially continuing to report to credit bureaus while under dispute. 

Their letter lacked proper documentation : no signed contract, no full itemized debt breakdown, and no chain of assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: IL

Complaint narrative:
i recently checked my report and was alarmed to find accounts that do not belong to me preventing me from obtaining credit. Please remove these fraud accounts permanently it really affecting my credit and ability to live. I am very 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 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank- puts a lock on my account EVERY TIME I try to use my XXXX  card. My account has been locked for days after a failed transaction at CHASE BANKS BRANCH. Customer service has refused to help 3 times, I have been to the branch twice and they told me to call customer service again. Nobody is helping or following up with what they said, and I just want to use my card. Customer service has been blatantly rude and spent an hour trying to verify an identity I already proved at the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
the amount of my balance sheet for the month of XXXX XX/XX/year> is XXXX , and the one reflected in my credit report is XXXX $ to XX/XX/year>. which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
the amount of my balance sheet for the month of XXXX XX/XX/year> is XXXX XXXX and the one reflected in my credit report is XXXX $ to XX/XX/year>. which is incorrect.

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 2025-03-23 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:
XXXX, company is violating my consumer rights to privacy, specifically referencing 18 U.S.C. 8 and 15 U.S.C. 1681b ( 2 ), they are also reporting information without your permission, citing 15 U.S.C. 1681 ( 4 ) Also reporting inaccuracy, I do not own the vehicle, the vehicle is destroyed, the company was sold. XXXX XXXX shouldnt be reporting this and immediately remove it

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MO

Complaint narrative:
To Whom This May Concern, I am writing to formally request validation of the debt referenced in your recent communication, which concerns account number XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, I have the right to request detailed information about this alleged debt.

To ensure that I have all relevant information before addressing this matter, please provide me with the following : 1. A complete and detailed payment history regarding this account, including dates, amounts, and any fees applied.

2. A copy of the original signed contract related to this debt, showing my agreement with the creditor.

3. Information on any insurance claims that may have been made against this debt.

4. Documentation showing the chain of title for this debt, indicating how you obtained the right to collect on it.

Please be advised that until I receive this requested validation, I will consider this debt in dispute. In accordance with the FDCPA, I expect your office to cease any collection activities until this matter is properly validated. 

Thank you for your cooperation. I look forward to your prompt response. Please send the requested information to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CO

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

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 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
ASKED COLLECTION AGENCY TO PROVIDE MY WET SIGNATURE TO PROVE DEBT WAS MINE, NEVER PROVIDED WET SIGNATURE, SENT 609 LETTER ON XX/XX/year>, ALSO COMPLAINT ON THIS WEBSITE CFPB, OVER 90 DAYS AGO. PORTFOLIO RC, XXXX  XXXX XXXX  {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
Seventh Avenue continue to change the year in the day. They just placed it on my XXXX credit report XXXX they have sold this report to many companies. It first was on my XXXX and experience. I have been trying to dispute this for four years now they continue to keep selling this product to one company to the next credit information. I spoke to numerous managers told them this is a fraud I asked for the original application and purchase agreement they have not given me any information but they have it on my credit report this I did not file or did I apply for this credit at this store?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
On XX/XX/XXXX, I received notice from XXXX that debt collection was added to my credit report and my credit score dropped over XXXX points. I looked at my credit report and the notice of debt collection was placed by Sunrise Credit Services ( " SCS '' ). I went online to SCS and saw that they were claiming that I owed a debt of {$170.00} to XXXX. XXXX. I don't owe XXXX XXXX XXXX. XXXX. I never received any notice from SCS that they were trying to collect a debt from me. XXXX failed to cancel my account when I contacted them through their XXXX XXXX and canceled my account on XX/XX/XXXX. I have written proof of the cancellation from XXXX XXXX, and I spoke on the phone with XXXX about their failure to cancel my account. I filed a complaint with the Federal Trade Commission against XXXX for their failure to cancel my account and to continue billing me. I don't owe XXXX any money, SCS never contacted me to collect a debt and Sunrise has done no investigation to determine if I actually owe a debt, yet they placed the information on my credit report and caused my credit score to drop over XXXX points. SCS is violating the law and harassing people and should be put out of business.

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