vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
Contract Callers placed a collection account on my credit report on behalf of XXXX for a balance of {$120.00} a debt I was never properly notified about. I only became aware of this alleged balance after it was already placed on my credit report. I was never contacted by phone, email, or mail before this negative mark was reported. 

On XX/XX/year>, weeks after the reporting, I received a copy of the final bill clearly showing that documentation and validation were only provided after the account had already been furnished to XXXX. In their own response, Contract Callers admitted they had to reach out to the original creditor to obtain verification after the fact, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

They also claimed they werent notified by USPS of returned mail, but no actual proof of contact has been provided. Mailing something to an outdated address and assuming it was received is not compliant with FDCPA or the Fair Credit Reporting Act ( FCRA ). If I had been properly notified beforehand, I would have had the opportunity to resolve or dispute the balance and it would not have escalated to being placed on my credit report.

I submitted disputes to all credit bureaus. The item was removed by all except XXXX, despite the same documentation being submitted to each. I am adding XXXX to this complaint for continuing to report inaccurate and improperly validated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On several occasions over XXXX, my ex boyfriend stole my debit card out of my purse while I was asleep or at school and withdrew the following amounts without my authorization. 
XX/XX/XXXX - {$200.00} XXXX {$200.00}, {$200.00}, {$150.00} XXXX {$300.00}, {$260.00} Wells Fargo did not send me any fraud alert text message, they did not email me about the withdraw, and on XX/XX/XXXX I logged into my account to XXXX my landlord for rent and realize my account balance was very low. I was confused and called Wells Fargo to see what was going on, and then i realized that I did not make a bunch of withdraws from my savings account. They credited me my money back several days later, and then they took back the credit they gave me. They are now refusing to give me my money back even though my ex boyfriend stole it from me.

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 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TomoCredit Inc.
State: IL

Complaint narrative:
I subscribed to a mandatory paid service ( Tomo ) to access a charge card product. The company required this highest-tier subscription as a condition of applying for their card. However, despite three months of payments, they have not processed my application, provided updates, or delivered the service they promised. Their lack of response and failure to fulfill the agreement suggest fraudulent or deceptive business practices. 

I have requested a refund for my payments but they refuse.

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

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORT IMMEDIATELY THANK YOU. 
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

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-04 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I sent over drivers license social security card and bank statement 30 times and each time I was told something was wrong but yet I was unblocked and next reblocked. Each time I phoned the XXXX department each person I speak with tells me something different. Asking me to resend the documents over and over again one person says they can read and see my documents and another person says send again. Today I phoned and was told to change my ID my ID has not expired, I was also told to just send a copy of my current bank statement and ss card along with my id which I have been doing for months now. I have reached out to the office of the President more than 50 times XXXX will not reach out to me like he said he would, I did receive XXXX letter from him asking for the documents I also sent him the same documents and asked him to forward them for me at least XXXX times not XXXX person will help me. I spoke with another person she would not help either.

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 2025-04-04 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAV

E FILED 1099C WITH THE IRS WHICH HAS CANCLED THIS DEBT. The IRS generally considers canceled debt as taxable income, meaning the amount forgiven must be reported on the debtors tax return. This is because the forgiven debt represents money that was previously borrowed and not repaid, making it effectively a form of income. Please refer to IRS Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments. INCOME IS NOT REPORTED ON A CONSUMER REPORT. THEREFORE THE ACCOUNTS WITH XXXX  NEED TO BE DELETED IMMEDIATELY. PLEASE SEE ATTACHED 1099C THAT WAS FILED WITH THE IRS. 



I have provided sufficient documentation to warrant the deletion of this fraudulent information, yet Experian has ignored loan documents that do not list XXXX, as well as federal laws that clearly establish my right to dictate what is reported on my credit file and by whom. Furthermore, federal law dictates that I have a right to privacy and the right to opt out of reporting. 

15 U.S. Code 1681s2 - Responsibilities of Information Furnishers : Once notified of inaccurate information, Experian is required to cease reporting it until its validity is verified. 
15 U.S. Code 1681- Accuracy and Fairness of Credit Reporting : Consumer reporting agencies are required to exercise fairness, impartiality, and respect for consumers ' privacy rights. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : A consumer reporting agency may only furnish a report in accordance with the consumer 's written instructions. 
15 U.S. Code 1681c - Prohibited Information in Consumer Reports : No consumer report may contain adverse information except as authorized under subsection ( b ). 
15 U.S. Code 1681e - Compliance Procedures : Consumer reporting agencies must adopt reasonable procedures to assure maximum possible 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
XXXX, XXXX, and XXXX know that this account should be deleted based on the Fair Credit Reporting Act listed below. 

They never investigated this account, which was charged off and reported as a profit and loss write-off ; however, it continues to be reported monthly, which is a violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 2 ), furnishers are required to provide accurate and complete information to the credit reporting agencies. The continued reporting of a charged-off account every month creates a false impression of ongoing delinquency, which is misleading and damaging to my credit profile. A Charge-Off is a One-Time Event, Not Ongoing. Once an account is charged off and deemed a profit and loss write-off, it should not be reported as a continuing delinquency each month. If it is, this violates FCRA 623 ( a ) ( 1 ), which requires accuracy in reporting.. Re-aging the charge-off to extend its reporting period is a violation of FCRA 623 ( a ) ( 5 ). 

All they did was verify the debt and realize it is a charge-off, and they keep reporting it monthly.

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 2025-04-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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  INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX XXXX {$1900.00} 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 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

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 2025-04-04 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-04 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am submitting a complaint regarding how HSBC mishandled a fraud case involving my credit card and the damaging impact it had on my credit report. 

I had not used my HSBC credit card for a long period. On XX/XX/XXXX, an unauthorized transaction was made using this card. I did not notice the charge until I saw a negative impact on my credit score months later. 

On XX/XX/XXXX, I reported the fraud to HSBC. A representative assured me that the case would be taken care of and that all negative reporting ( late payments ) would be removed. Following that call : HSBC marked my account as closed with a {$0.00} balance. 

My credit monitoring service notified me that one late payment from HSBC had been removed ( I will upload a screenshot as proof ). 

These actions led me to reasonably believe that HSBC had resolved the issue. 

However, without notifying me, HSBC later declined my fraud report, citing that I reported it three months after the transaction. As a result, my credit score was hit again due to late payments despite being told it would be resolved.

This appears to be a result of miscommunication and procedural failure within HSBC 's system. I received no notification that my fraud report had been rejected, and HSBCs earlier actions clearly implied resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID

Complaint narrative:
I received a call from an unknown number. I answered and it was an automated message that said something to indicate they were trying to serve me with legal notice and read off a phone number to call back. The number was read too fast so I just called back to the number that called me. 

A woman answered and identified herself as being from XXXX and XXXX XXXX. She indicated there was a debt owed to an XXXX XXXX XXXX  card and they were going to start garnishing my wages. I dont recall having that card or receiving anything indicating I owe anyone anything. At first I my intent was to resolve the matter but after a minute, a bunch of stuff wasnt adding up.

As added background, Im an attorney so I know that a company cant garnish wages without a court order so I asked what the case number was. She read a number that was not in line with XXXX  case numbers so I clarified by asking what the XXXX  case number was. She said one had not yet been filed but continued to insist they were going to garnish my wages. After a bit of back and forth I asked her to transfer me to someone who understands the legal process so they can advise me what exactly is happening. 

I was then transferred to XXXX who reiterated the same nonsense about wage garnishment and then added that they would bring me to court for theft by deception which is a criminal offense. I pointed this out to him and he repeatedly argued with me. I could tell he was just using rhetoric to scare me so I pushed back saying that Id like to deal directly with the alleged creditor and he said I couldnt because he had power of attorney. I know this to be a false statement. 

We continued a back and forth where I tried to get more information. He said hed send it in email. The email I got was a XXXX page paper with nearly no information. I responded to the email indicating that I need information to validate the debt. I got a call about XXXX minutes later from the first person I spoke with offering to settle the debt for less than what was owed. I said that was strange because XXXX had said they couldnt collect money from me. I pushed further asking if I could get any further information to validate the debt and she said Id have to get it from the attorney. I asked for their information and she told me the attorney had a last name of XXXX. I asked for the number and she gave it to me. 

I called the attorney and it literally rang back through to XXXX and XXXX XXXX. I got transferred to XXXX again who told me he didnt have to validate the debt because of t had already been validated and that his company wasnt subject to debt collecting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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