vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Hello XXXX XXXX has sold my debt to XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and my account number is XXXX AMSHER COLLECTION is using that to mess with my credit according to 15 USC 1692 ( c ) you have violated my rights by in lawful communications please remove this collection off of my credit report thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

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 2025-05-22 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: CA

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MO

Complaint narrative:
In response to the letter I received from Experian requesting additional identification and a copy of the filed FTC Identity Theft Report, I am submitting the required documents to support the disputes I previously initiated. These disputes concern unauthorized and inaccurate information that appears on my credit report, which I did not recognize or authorize. I am committed to resolving this matter and ensuring that my credit file reflects only accurate and verified 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 2025-05-22 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 submitting a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) Section 605B. I am a victim of identity theft and provided Experian with a formal identity theft dispute including : A valid FTC Identity Theft Report A copy of my government-issued ID Proof of address I requested Experian to permanently block unauthorized hard inquiries from the following entities : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX multiple dates ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian failed to remove or properly investigate these inquiries despite clear evidence. I am requesting that the CFPB take immediate enforcement action and require Experian to : Block these inquiries under FCRA 605B ( 15 U.S.C. 1681c-2 ) Provide written confirmation of the resolution Stop any reinsertion of this fraudulent data

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 2025-05-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Date : XX/XX/XXXX To : Default Resolution Group XXXX XXXX U.S. Department of Education [ Insert mailing address if known ] Subject : Formal Notice of Continued Dispute and Demand to Cease Collection Failure to Validate Alleged Student Loan Debt Debt Reference Number : [ Insert debt identification number if known ] Dear Default Resolution Group, On XX/XX/XXXX, I submitted a formal complaint disputing the validity of a student loan debt your office alleges originated in XXXX with an original principal of {$500.00} and a current balance of {$1000.00} as of your most recent correspondence. As stated in my original communication, I requested full validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and other applicable federal statutes, including the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ). 

To date, you have not provided the legally required documentation to validate this debt, including but not limited to : 1. A copy of the original signed Master Promissory Note ( MPN ) containing my full legal name and signature.

2. Complete and detailed loan information, including : The name of the original lender The exact date of loan origination The amount originally disbursed A full disbursement and payment history, including how interest and fees have been calculated Your response dated XX/XX/XXXX, acknowledged receipt of my complaint and stated that the requested documents would be sent under separate cover. However, as of todays datemore than 20 days laterno such documentation has been received. This is a clear failure to comply with the FDCPAs requirements to verify and validate the debt. 

Furthermore, StudentAid.gov contains no record of any signed XXXX for this alleged debt, which further calls its legitimacy into question. Per the Department of Educations own policy and federal lending regulations, a student loan without a valid, signed XXXX is not legally enforceable. 

Accordingly, I demand the following : That you immediately cease and desist from all collection activities, including any further contact, negative credit reporting, wage garnishment, or offset of federal benefits, until and unless full and proper validation of this debt is provided. 
That you provide, without further delay, the complete and original documentation requested above. 

If you are unable or unwilling to provide proper validation, you are legally required to cease collection efforts immediately. Continued attempts to collect on a debt that has not been validated constitute a violation of federal law and may result in legal action and formal complaints to the CFPB, the Federal Trade Commission ( FTC ), and my state attorney general. 

Please consider this letter a continued formal dispute of the alleged debt and a final demand for compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Account SYNCB/WALG # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my 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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XXXX I had a bank account with Bank of America. I reported several unauthorized transactions and was informed the bank was looking into my claim. It took three years before I was informed the bank found in my favor ( as in, the transactions were unauthorized ) and credited me the hundreds of dollars I had gone without. When I received a letter from the bank it stated the transactions in dispute were in early XXXX ( which is false i made the claims in XXXX ) and then I received another letter in the mail stating the previous correspondence had incorrect dates but didn't give me the correct dates. Bank of America was definitely trying to hide the fact that they dropped the ball and failed to reimburse me of hundreds of dollars I should have had years before they finally paid it. The claim number I was given in XXXX was : XXXX. I do not know if that is the same claim number I was given in XXXX when I first submitted the claim for unauthorized transactions.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: WI

Complaint narrative:
XX/XX/year>, noticed during early morning hours that I had several XXXX $ transfer transactions to a unknown person. Also a XXXXXXXX XXXX amount, total was near XXXX. 
Called XXXX to reports suspicious activity. Debit card locked. 
XX/XX/XXXX, more transactions were allowed to transfer out although my account was supposed to locked. 
From XX/XX/XXXX to present I've spoke with XXXX basically daily. They issued a total of XXXX replacement debit cards, all of which was compromised before reaching my mailbox. 
Every person I spoke with at XXXX gave me conflicting answers. I suggested that perhaps my account number was compromised so they agreed and stated they would change that as well and put a security phrase in place so that no one could call and make changes over the phone. NO security phrase was ever established. 
XXXX of the new debit cards I received, I called to activate and the phone number wasn't my number and I was told, " someone called and made that change over the phone '', I again asked about with the higher security means in place, how did they allow this to occur? I was told because it was requested via phone call. 
I was told by my " fraud specialistXXXX XXXX XXXX XXXX XXXX had mailed out checks to replace the money stolen from my savings on XX/XX/XXXX. To date I haven't received those checks. XXXX said the checks would arrive at my local post office and I would receive a text that gave me options to pick up in person or for the checks to be delivered to my mailbox. First he said they'd arrive by XX/XX/XXXX, then definitely by XXXX XXXXXXXX. Last time we spoke on XX/XX/XXXX he apparently developed amnesia because he couldn't or wouldn't give me any info only stated that I need to speak with a supervisor. No call from supervisor. XXXX with XXXX the XXXX, twice. Both times said supervisor was calling within the hour. NO call. XX/XX/XXXX, spoke with XXXX, twice, last time being XXXX and he said that there was a supervisor available in XXXX to XXXX minutes, did I want him to schedule a call, to which I said yes. No call. Attempted to call XXXX to follow up and my calls were unanswered and unreturned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
Hello, I am submitting this complaint concerning the fraudulent items found in XXXX XXXX, and XXXX Credit Bureaus. I am requesting once again for the removal of these fraudulent items from my credit file. Please review the list of fraudulent items that I would like to be removed in my next update : XXXX XXXX XXXX * * * * Balance : {$40000.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX  XXXX * * * * Balance : {$6900.00} XXXX  XXXX XXXX * * * * Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX XXXX * * * * Balance : {$4400.00} XXXX XXXXXXXX XXXX * * * * Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX * * Balance : {$00.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am a permanent resident living at : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX I recently discovered that my credit reports from all three bureausXXXXiXXXX XXXX  and XXXX numerous unauthorized hard inquiries. 
Experian : XXXX hard inquiries Equifax : XXXX hard inquiries TransUnion : XXXX hard inquiries I only applied for a car loan and authorized about XXXX credit inquiries. All other inquiries were made without my consent or knowledge. 

I contacted all three credit bureaus by phone, but they refused to take any action. They said its not their responsibility or that since I authorized a few inquiries, they wont remove the rest. 

These unauthorized inquiries have damaged my credit score and are preventing me from obtaining a car loan. This has created real hardship for me. 

I am attaching screenshots of the inquiries as evidence. I am asking the CFPB to investigate and enforce removal of the unauthorized inquiries under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your help and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted documentation to Experian four separate times requesting that they update the reporting of a XXXX XXXX  XXXX  account that was settled in full on XX/XX/year>. Despite providing the official settlement confirmation letter from the law firm XXXX XXXX XXXX, Experian continues to report the account as charged off with a {$2800.00} past due balance. 

I initially submitted the dispute and documentation in early XXXX, and have since submitted it three more times, including my drivers license and the settlement letter each time. I have received no resolution, acknowledgment, or correction from Experian. 
This inaccurate reporting is negatively affecting my credit score and directly interfering with my ability to qualify for a mortgage, which I am in the process of securing this week. The inaction by Experian is causing me financial harm and violating their obligation under the Fair Credit Reporting Act to maintain accurate information and respond to disputes in a timely manner.

I am requesting immediate intervention to ensure Experian updates the account to reflect : Settled in Full {$0.00} Balance and removes the past due balance immediately

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted documentation to Experian four separate times requesting that they update the reporting of a XXXX XXXX  XXXX  account that was settled in full on XX/XX/year>. Despite providing the official settlement confirmation letter from the law firm XXXX XXXX XXXX, Experian continues to report the account as charged off with a {$2800.00} past due balance. 

I initially submitted the dispute and documentation in early XXXX, and have since submitted it three more times, including my drivers license and the settlement letter each time. I have received no resolution, acknowledgment, or correction from Experian. 
This inaccurate reporting is negatively affecting my credit score and directly interfering with my ability to qualify for a mortgage, which I am in the process of securing this week. The inaction by Experian is causing me financial harm and violating their obligation under the Fair Credit Reporting Act to maintain accurate information and respond to disputes in a timely manner.

I am requesting immediate intervention to ensure Experian updates the account to reflect : Settled in Full {$0.00} Balance and removes the past due balance immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MA

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
Recently, I reviewed a copy of my credit report and found multiple inaccuracies on an account that is seriously impacting my credit score and ability to obtain credit. 

I am requesting an immediate procedural reinvestigation into the following account : XXXX  : XXXX  | Account # : XXXX Equifax : XXXX | Account # : XXXX TransUnion : XXXX  | Account # : XXXX According to my report, the account was charged off in XX/XX/XXXX. However, the payment history continues to report charge-offs ( CO ) each month through XXXX. This is inaccurate. A charged-off account should not be updated monthly as if new activity is occurring. This is misleading and manipulates the statute of limitations. 

I am requesting this account be thoroughly reinvestigated and corrected or removed from my report if found to be unverifiable or inaccurate. 

Please provide a response from the credit reporting agency with the name and contact of who verified the information, in compliance with the Fair Credit Reporting Act ( FCRA ) Section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: FL

Complaint narrative:
On or around XX/XX/year>, I discovered that Hunter Warfield was reporting a negative collection account on my credit report in the amount of {$2800.00}. I had not received prior notice of this debt, and I do not recognize it. In response, I sent a written request for debt validation under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

In my request, I asked Hunter Warfield to provide the following : The name and address of the original creditor A full breakdown of the amount allegedly owed ( including fees, interest, and other charges ) A copy of a signed contract or agreement showing I agreed to be responsible for the debt A flow agreement or documentation showing how and when the debt was transferred A chain of assignment, showing that Hunter Warfield has the legal right to collect on the debt The date of default and the date of the last payment I also requested that Hunter Warfield cease all collection efforts and stop reporting the account to credit bureaus until proper validation was provided. In addition, I asked that they mark the account as disputed on all credit reports, as required under 15 U.S.C. 1681s-2 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ). 

Despite my request, Hunter Warfield has failed to provide proper validation of the debt. They continue to report this account, which is negatively affecting my credit profile. I believe this ongoing reporting without validation may violate my rights under both the FDCPA and FCRA.

I am requesting that the CFPB investigate this matter and require Hunter Warfield to either provide full legal validation of the debt or immediately remove the collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against TRANSWORLD SYSTEM INC regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with TRANSWORLD SYSTEM INC but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief