vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX SSN : XXXX Date of birth : XX/XX/XXXX  XXXX Hello Collector, I see that you have reported inaccurate information on my credit report, and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this Account Creditor : SOURCE RECVB ( XXXX XXXX ) Account number : XXXX Please provide me with the following : ( XXXX ). Full accounting of this account ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX  ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX  ). How you calculated what you claim I owe XXXX XXXX  ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX  ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must delete the above account from all three credit reports IMMEDIATELY. Let me remind you of the law. According to FDCPA XXXX ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specializes in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
This company is breaking the lawn failing to provide proper Validation details as required under 12 CFR 1006 34 ( b ) ( 5 ). Despite this, they have added a collection Ive tried on several occasions to resolve this issue directly with them, but they continue to validate my rights, not only this company. But XXXX violated my rights!!! I am entitled to be compensated!! not only that please immediately remove all acct from my CONSUMER FILE/ CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony ( JCPenney ) Mastercard had an {$8000.00} Credit Limit. Payment Made on ( XX/XX/XXXX ) at XXXX Receipt after making the {$1000.00} extra payment said {$3200.00} Available to Spend. Upon trying to charge a payment on ( XX/XX/XXXX ) from my Vet for {$250.00} I DECLINED and discovered on the Synchrony Billing Page that My current balance reduced to {$4800.00} but only ( {$150.00} ) Available to Spend. Synchrony does not dispute the Payment. - {$1000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$200.00}. as this clearly indicates my payments have been many time Twice a month and almost always much larger payments than the Minimum Required. I want to know why this action was taken by Synchrony.

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 2025-02-19 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: PA

Complaint narrative:
This is my official communication regarding the unauthorized and completely inaccurate entries on my credit report. These items were added without my consent, knowledge, or authorization, which is unacceptable. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, along with a list of disputed items. I demand the immediate and permanent removal of the following erroneous entries from my report, as they are completely unjustified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I currently operate under the merchant account XXXX which was established in XXXX. To my knowledge, this is the only merchant account which I have operated under. 

In XX/XX/XXXX, during a visit to a branch on XXXX XXXX XXXXXXXX, an employee informed me that my current device ( XXXX  ) was outdated and that I would need to upgrade. I agreed to sign up for the new device at that time and was willing to pay for the device with three payments of {$170.00}. Since the employee suggested I could continue to use the XXXX  device until it stopped working, I did and I have never unboxed or used the new hardware that was sold to me. 

During a recent account audit, I noticed several charges from XXXX. At this point, I discovered that the employee who sold me the merchant hardware also created an additional merchant account XXXX. 

I am requesting that my account and scenario be reviewed for the following reasons : The sales tactics resembled a bait-and-switch I was lied to about having to purchase new hardware when my existing one still works, over 5 years later A new merchant account was set up as part of this process without my knowledge Merchant account XXXX has never been used The hardware purchased in XX/XX/XXXX has never been used Attached you will find all fees associated with the hardware and unwanted merchant account which totals {$2900.00}. I am requesting that this be credited in full due to the misguidance of the employee.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America informed me that if I agree to double my minimum payment for 6 payments, they would cancel the remaining debt and that I would ; d not need to close the card. I confirmed it with them multiple times during th interaction. I was assured everything was correct. After I completed my end of the terms and made 6 payments of double my minimum they ddi not cancel the remaining debt.

I contacted them back to discuss the matter and was forwarded to a high up manager in the escalation department. He confirmed that they did offer me that deal then told me it shouldn't have been offered because they do not have that program. 


I informed him that I wanted copies or log numbers for the recorded calls he told me they wouldn't provide them to me. I let him know that what they did wasn't right and that lying to consumers to get more money was wrong. 

They still have my money made for those payments and now I received a letter from a law firm claiming they will take me to court over the debt. This has to be illegal and an abuse of power.

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 2025-02-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Orion Capital Solutions LLC
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following inaccurate information on my credit report. The items I am disputing are listed below : Student loan - XXXX Personal loan XXXX XXXX sold to orion capital I believe that my personal information was leaked, leading to these inaccuracies. During the XXXX pandemic, I received no assistance with these debts, which was misleading and unfair. This has caused undue hardship and negatively impacted my credit score.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe to be inaccurate or incomplete. I am requesting that these items be investigated and removed from my credit report.

Enclosed are copies of relevant documents supporting my claim, including [ list any documents you are including, such as identification, bills, etc. ]. Please conduct a thorough investigation and correct these inaccuracies as soon as possible.

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have sent a certified letter to I.C. System, Inc. on XX/XX/year>, requesting verification of the debt associated with Account # XXXX for a balance of {$520.00} past due. Specifically, I requested documentation that includes my signature as proof of my responsibility for this debt. 

To date, I.C. System, Inc. has not provided any documentation containing my signature or a clear record of when this account was opened. Additionally, more than 30 days have passed, exceeding the time frame legally required for a response under the Fair Debt Collection Practices Act ( FDCPA ). 

Since no proper validation has been provided, I request that : All collection efforts on this account cease immediately. 
This account be removed from my credit report. 
I.C. System, Inc. notify all relevant credit bureaus that this debt is invalid and should be deleted from my records. 
I receive written confirmation that this debt has been removed and that no further collection attempts will be made. 
I expect a timely resolution to this matter.

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 2025-02-19 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:
There was a fraudulent account opened in my name without my knowledge or doing. I recognized the fraud by reviewing my credit report. I filed a police report, a report with the bank to look into the fraud, and also the Federal Trade Commission. 

This was a very clear case of fraud. The fraudster used an account with XXXX XXXX XXXX which I have never heard of or opened an account with. XXXX is claiming they verified my employment with XXXX and I have never worked for XXXX XXXX 

XXXX didn't give me any details into why they claim my fraud was denied, or any details of how they looked into the fraud. This a VERY clear fraud case and the bank has done a horrible job investigating my case.

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 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-19 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: GA

Complaint narrative:
New CFPB Complaint ( Escalation for Proof of Ownership ) Subject : Equifaxs Failure to Provide Proof of Account Verification FCRA Violation Product : Credit reporting or other personal consumer reports Issue : Incorrect information on credit report Complaint : I previously submitted a complaint regarding fraudulent accounts on my Equifax credit report. Equifax responded by claiming that certain accounts were verified, but they failed to provide actual proof of verification, as required by 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 

I am the victim of identity theft, and my personal information was used fraudulently to open accounts in my name. I have already submitted : A police report documenting the identity theft. 

An identity theft affidavit. 


Despite this, Equifax has refused to provide : Original signed account applications.

Account opening agreements.

Documents used to " verify '' the accounts.

A simple claim that the accounts are verified without proof is a clear violation of FCRA requirements. I demand full documentation of the verification process. If Equifax can not provide this, then they are legally obligated to immediately delete these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
The reps from this company are not answering questions or honoring their rewards offers. 

They never paid me my {$25.00} reload bonus for funding my debit card account. Nor did they ever mail my debit card. They kept making promises that were lies. 

I also want to know if I can checkout with Paypal to pay for car insurance with the paypal XXXX and if I can use the debit card to pay off bills to hit the {$100.00} minimum for the {$25.00} tax deposit bonus. 

I already contacted them about this back in XXXX of 2024. Nothing! They just lie!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I am attempting to add my XXXX credit card to XXXX XXXX. It is highlighted as a feature in all of their advertising and in their app. After many attempts at adding the card to the digital wallet, I called customer service to see what the issue is. They informed me this feature is no longer available.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed a charge of {$880.00} with Citibank for a hotel booking made through XXXX due to a technical glitch on XXXX website, which directed me to book a hotel in the wrong state. Additionally, I was going through a personal hardship due to the recent passing of my father, which prevented me from using the reservation. 

As soon as I noticed the issue, I contacted XXXX and the hotel to request a correction or refund. XXXX refused to help, citing the hotels cancellation policy. I then disputed the charge with Citibank, providing detailed information on the website error and extenuating personal circumstances. 

Initially, Citibank reopened the dispute, which seemed like a positive sign. However, they later denied my claim, stating that they did not see anything valid. This decision fails to consider the clear technical error, the hardship I experienced, and XXXX refusal to provide reasonable assistance. 

I believe Citibank mishandled this dispute by : Failing to fully investigate the website glitch that led to the incorrect booking. 
Ignoring my extenuating personal circumstances. 
Taking XXXX  side without ensuring fair consumer protection. 

I escalated this to Citibanks executive offices, but they still refused to overturn the decision, showing a lack of concern for fair dispute resolution. 

I requested that Citibank provide a detailed explanation of why my dispute was denied and what specific evidence they used to make their decision. I also requested that they fairly consider the technical glitch that caused the incorrect booking and my extenuating personal circumstances. However, their response simply stated that they did not see anything valid without further clarification. I was not provided with any documentation or reasoning that justified their denial of my dispute. 

I am requesting that Citibank fully refund the {$880.00} charge, as the booking was made in error due to a technical glitch and was further complicated by an unavoidable personal hardship. If they will not issue a refund, I request that they provide a full travel credit for future use. 

Additionally, I request that Citibank review their dispute handling process, as this case shows they did not fairly investigate the issue or consider all relevant factors.

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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strauss Factor Laing & Lyons
State: RI

Complaint narrative:
On XXXX I contacted XXXX XXXX XXXX XXXX XXXX to discuss XXXX open files which I have payment arrangements for to discuss extending my recurring payment schedule. When I questioned the rep on the dollar amount of XXXX of the files not going down despite making payments for 2 years and questioned if I was being charged interest he confirmed I was being charged interest. I was never made aware of this, never received any statements showing the breakdown of what I was paying, never told I was being charged interest and have never received any notice detailing the interest rate or how much of my monthly payment is being applied to the principal amount. Both debts were owed to the same vendor and the rep could not explain why the larger amount was accruing interest. I requested a call back and all the documentation around the balance and interest and they did not provide either. This practice is deceptive, unfair and abusive. I have never been given the true amount owed as each statement shows various amounts that include interest I was not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
I sent a cease and desist letter to all the companies to stop contacting me in any manner.

Company response to consumer: Closed with non-monetary relief