vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
I am writing to formally dispute the reporting of a bankruptcy that appears on my credit file. I have obtained an official letter from the court that clearly confirms this bankruptcy should not be reported to any credit bureau. Despite this clear directive, it remains listed on my report, which is not only incorrect but also damaging to my credit profile. Whats even more concerning is the involvement of an unauthorized third party in this matter. This raises serious concerns about the accuracy, security, and handling of my personal information, and further highlights the urgent need for a thorough review and immediate correction of this issue.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There has been incorrect remarks submitted on my credit Transunion credit report. The account in question is XXXX XXXXXXXX XXXX XXXX XXXX  The account number ending in XXXX. 

The remarks state SETTLED FOR LESS FULL BALANCE only on Transunion not the other credit bureaus. This information should report paid as expected with a XXXX balance. I never settled, I pay the account on time and it should reflect that. The comments should be removed and updated to reflect current. This same account hasnt been reported for the month of XXXX and XXXX. 

Ive attached the currents month statement to prove my matter. This is the XXXX statement from the creditor. 

Transunion is the only credit bureau needing the proper update and correction in remark information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX XXXX is attempting to charge me for their internet service, which was never installed. XXXX has insisted that my home has their internet service, which is simply false. I have attempted on several occasions to explain to their representatives that I did not and do not have their service. The end result, XXXX cable has turned this debt over to a collection agency and submitted information to the credit bureau as a nonpayment and a negative blotch on my credit report. This is unfair, untrue, and undeserving, simply because, I do not have their service, therefore, I owe XXXX  nada.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CO

Complaint narrative:
On XX/XX/2025, I sent a formal written debt validation request to XXXX XXXX XXXX, XXXX, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. In my letter, I requested proof of ownership of the debt, authority to collect, a copy of the original signed agreement or assignment from Discover, a full accounting of the amount owed, and verification of licensing to collect debts in my state. 

Despite this formal request, XXXX XXXX XXXX has failed to provide any response, validation, documentation, or proof of legal right to collect this alleged debt. No communication has been made to satisfy the federal requirement to validate the debt before continuing collection efforts. 

As of today, I have not received the information requested, and the company has not ceased collection activities or verified their legal standing to collect on the debt. 

This ongoing failure to validate the debt violates the FDCPA and has caused continued damage to my credit report and my ability to resolve the matter properly. 

I am requesting immediate action to require XXXX XXXX XXXX to either validate the debt according to FDCPA requirements or cease all collection activity if they can not do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I am filing this complaint against Experian and Equifax because both companies are refusing to remove inaccurate and unverifiable information from my credit reports, despite having received multiple disputes and clear evidence that the account in question is invalid. 

The information they are reporting stems from XXXX XXXX XXXX ( XXXX ), a debt collector that failed to comply with federal law. XXXX did not provide me with the required written notice of the alleged debt and my right to dispute it under 15 U.S.C. 1692g of the FDCPA. The only communication I received from XXXX was an email on XX/XX/XXXX, stating they would soon report negative information to the credit bureaus. 

In response, I immediately sent a debt validation letter on XX/XX/XXXX, and later a cease and desist letter on XX/XX/XXXX, via certified mail with return receipt. XXXX ignored both communications and failed to provide proper validation of the debt. Instead, they only sent a lease and move-out statement, which does not demonstrate that XXXX has the legal authority to collect the debt or that I owe the alleged amount to them. 

Despite providing this information and documentation to Experian and Equifax in my disputes, both bureaus have repeatedly refused to delete the account. They have verified the information without properly investigating whether the reporting debt collector has complied with the law or whether the debt is legally valid and collectible. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Experian and Equifax are required to conduct a reasonable investigation into any disputed information and delete any data that can not be verified. By continuing to report this inaccurate and unvalidated debt, they are violating their obligations under federal law and causing ongoing harm to my credit standing and financial wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding the actions of Credit Collection Services ( CCS ) concerning a debt they attempted to collect related to a XXXX XXXX home insurance policy. 

When CCS first contacted me about this debt, I informed them that I already had home insurance through my mortgage provider at the time of my home purchase and did not contract with XXXX XXXX. CCS instructed me to contact XXXX XXXX directly. Upon doing so, XXXX XXXX provided me with an official cancellation document showing the policy was canceled on the same day I bought my house, rendering the alleged debt invalid. 

When I attempted to present this cancellation document to CCS, the agent I spoke to on a recorded line told me that they could not accept the documentation. Trusting their guidance at the time, I accepted this, unaware that debt collectors are legally obligated to accept and consider dispute evidence under the Fair Debt Collection Practices Act ( FDCPA ).

Only later did I learn that their refusal to accept my documentation was improper. Approximately a month later, CCS reversed their stance and did accept the documentation but only after I pushed the issue. 

Issues with CCSs behavior : They initially refused to accept valid dispute documentation. 
They misinformed me about my rights under the FDCPA. 
Their actions delayed the resolution of a dispute over a debt that was never owed. 

I am requesting that regulatory authorities investigate CCSs practices to ensure they are properly informing consumers of their rights and accepting valid documentation in a timely manner, as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I set up autopay with AidVantage, where my department of education loans are. Autopay was set up on XX/XX/XXXX, for my monthly due date on the XXXX of each month. Received a confirmation email that autopay was set up. On Sunday, XX/XX/XXXX, my account showed past due. I thought because it was a weekend, I had to wait until Monday, XX/XX/XXXX, to check the status in case it was going to be posted on the next business day and I did not want to risk submitting a manual payment only to then get deducted via autopay. I spoke to an agent via chat and via the phone and both people told me it was autopay set up was incomplete and it didn't process for this month. You would think 20 days is enough time, and I did not receive any kind of notification that it was not set up yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX synchrony Mastercard account website provides no warning about expiring deferred interest. I was told the only notification is via imbedded pdf account activity statements available for download. XXXX does not message, email or mail warnings of such to its customers. 

On XX/XX/XXXX I purchased XXXX furniture items from XXXX XXXX XXXX using a promotion of deferred interest of 24 months. I checked the XXXX XXXX website [ [ https : //www.synchrony.com/accounts/ ] and made payments during the ensuing time. 

On XX/XX/XXXX I remembered I needed to check XXXX since I recalled the deferred period would expire. By that time I had paid off {$2000.00} of the {$4600.00} original amount with a balance of {$2600.00}. I was surprised to see the amount now owed was {$4500.00}. The website did not indicate the deferred period had ended. I then downloaded the most recent statement ( pdf ) and when I viewed it, it showed I was charged {$2300.00} interest on the remaining amount ( almost 100 % ) on XX/XX/XXXX. I then pulled up a prior statement ( XXXX ) which contained a warning in red font that the deferment period would end on XX/XX/XXXX. This is the first time I saw such warning. 

On XX/XX/XXXX I contact XXXX Synchrony customer service ( XXXX ) and explained that I had received no correspondence of any kind prior to the holiday period expiration of the differed interest. She confirmed XXXX website [ https : //www.synchrony.com/accounts/ ] does not contain a banner warning of expiring promotions, nor is there a message notification area on the site. Further, she stated it was not company policy to send a courtesy email about expiring deferred interest promotions to customers, nor was it policy to mail a notification of such. I pointed out to her that without digging into the " Activity '' section and downloading individual statements in PDF, a customer can easily miss/forget of an expiration since the promotion contract had been signed years prior. She responded they provide a XXXX day grace period ( which would be XX/XX/XXXX ). I asked her that given the limited communication could she extend the period an additional XXXX days and she declined so I could pay off the balance without penalty. She declined. I then asked her if she could could reduce the interest amount from the {$2300.00} ) since it was almost XXXX XXXX of the amount owed. She again declined. I asked her if her company could notify customers via additional means such as website, email and mail. She was non-committal. 

On XX/XX/XXXX I paid the remaining balance to avoid additional extreme charges.

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 2025-04-28 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio associate continue to call my number regarding a debt that I do not owe. I have requested to take my number off of their call list several times however they continue to spoof my number from different area codes and XXXX XXXX numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VT

Complaint narrative:
Newrez is late on our property tax payments by more than 2.5 months. I call for updates twice a week they have deducted from my escrow account three separate times and have claimed to send 3 checks but none have arrived to the town. I am not sure how to get my property taxes paid at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-04-28 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX  Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief