vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: Savvy Money, Inc.
State: ME

Complaint narrative:
I am writing to dispute a fraudulent card that shows up on my credit report. I became aware of this in early XXXX through the XXXX  XXXX XXXX XXXX. I had an alert in late XXXX that an account had been opened in my name. It was a card for The XXXX XXXX with a balance of {$560.00}. I can not see the whole card number because the last XXXX digits are starred out. The numbers I can see are XXXX. I do not have a credit card with XXXX XXXX. I did a lot of investigating when I became aware of this. I called and requested credit reports from you, XXXX, and XXXX. None of you had this showing up on the reports I received. I tried calling XXXX and I also went to XXXX XXXX who put me on the phone with the XXXX XXXX division of XXXX. No one has anything under my social security number for an account with XXXX XXXX. I also issued a fraud alert. 

Then in XXXX this year, I received another alert through the XXXX  XXXX XXXX XXXX that there was a delinquent account with this same card for {$68.00} that was 30 days overdue. Again, this is the same card number as above but definitely not my card. I began to get really concerned when it comes to something showing up saying its overdue on my credit report when this is not my bill. I am enclosing copies of screen shots for both of these alerts. 

On XX/XX/year> I filed a report with the XXXX XXXX Maine Attorney XXXX XXXX. I have also reported this to the XXXX XXXX XXXX XXXX. 

I have been to the XXXX twice and they assured me the information comes from XXXX even though they say they can not find this account on my credit accounts. I want it off my credit report as it is not my card and I am concerned for my future credit report which has always been excellent. 

At this time there is another charge on that card showing up as belonging to me and I can only repeat this is NOT my card. XXXX asked me for the full the account number and I have responded to them saying I can not see the full account number - only the first XXXX digits. 

Please investigate this matter and correct the fraudulent card as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing to file a complaint against LVNV Funding LLC and their servicer, XXXX, regarding their handling of my debt collection. Below are the details of my complaint : Company Information : LVNV Funding LLC Care of Resurgent Capital Services L.P Address : XXXX XXXX XXXX, XXXX, SC XXXX Phone : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX Complaint Details : Original Creditor : [ Insert Original Creditor Name ] Account Number : [ Insert Account Number ] Total Balance : [ Insert Total Balance ] Issue : LVNV Funding LLC and XXXX are threatening me with legal action to collect a debt that is past the statute of limitations. The last payment on this debt was made in XXXX, yet they are reporting the line of credit as opened in XXXX. This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit information must be accurate and up-to-date1. 

I reached out to Resurgent Capital Services to have this information corrected on my credit report. However, I was transferred to XXXX, who informed me that I would have to deal with a law firm once my case was assigned. This is causing undue stress and XXXX, as I am being threatened with legal action for a debt that is time-barred. 

Resolution Sought : I am seeking assistance from the XXXX to resolve this matter by : Ensuring LVNV Funding LLC and XXXX cease all collection activities on this time-barred debt. 
Correcting the inaccurate information on my credit report to reflect the true date of the last payment. 
Preventing LVNV Funding LLC and XXXX from using deceptive and unfair debt collection practices that prey on consumers who may not be aware of their rights under the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
XXXX XXXX  charging excessive for statements that you see online only and payments are extremely high with these statement fees unsure how much the statement fees are

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I was notified by a loan officer that Equifax does not have a credit report on my behalf. I called the Consumer Care hotline at Equifax to dispute an update to my profile and to request a credit report. Equifax informed that they have no history and not reporting for my name and profile. They requested a copy of my SSN or Drivers License to be sent to the Equifax Info Services department via mail. Ive sent my information via USPS priority mail. Ive called multiple times to receive updates and confirmation and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX charged {$590.00} membership fee and {$170.00} x 8 authorize user fees total of {$1900.00} on card ending in XXXX XXXX told had XXXX from date charged to cancel and refund the {$1900.00}. Cancelled 7 auth users and credit of {$1200.00} was issued. Leaving mine and husband card active til my daeline of 37 days from date it was charged XXXX. 

XXXX Closed XXXX account and told refund of {$590.00} and {$170.00} refuep nd in 2 to 3 business days. 
XXXX XXXX open new acount ending XXXX to dispute charges. I did NOT give authorization to open a new account!! Did not recieve credit card and would ot agree to this. My call/goal was to close account XXXX and refund of fees. Opening a new account without consent is fraud on your reps part. 

XXXX XXXX Inquired about my refund, XXXX XXXX XXXX XXXX review delay on refund. Assured refund will be come thru in a few days. 

XXXX XXXX Live chat with XXXX  XXXX screen shots of our conversation is available ) Refund of both fees in 2 to 3 business days. 

XXXX XXXX Spoke with supvrs XXXX XXXX screen shot of conversations available ) Again assured the refund will be posted, need to give another day or two. 

XXXX XXXX The refund will be 5-7 business days from the XXXX when XXXX XXXX was open. 

XXXX XXXX XXXX XXXX sign ( XXXX ) full refund will take 1 to 2 billing cycles!! 

XXXX XXXX XXXX XXXX supvrs ) will escalated this issue to membership services to remove both XXXX and XXXX fee. Will call me back by Friday XX/XX/year> XXXX for an update. NO call back with update. 

I have emailed : XXXX XXXX All responses have been enquiry registered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX DL : XXXX SSN : XXXX Phone : XXXX Email : XXXX To whom this may concern, I recently obtained a copy of my consumer report, and notice that my home loan has 15 late 30 days marks on my credit profile. This information is greatly affecting my credit, and from my knowledge I have never been late making payments on my home.This information is reporting incorrectly and under FCRA ( 15 U.SC. 1681i ) I request that this information be investigated and immediately turn those months from red to green as these accounts are not reflecting maximum possible accuracy! Im attaching two different loan accounts listed on my credit file that show different things. 15USC 1681B is saying this mis-information unfairly impacts my ability to obtain credit for legitimate purposes. Again I am formally disputing these inaccurate lates all of them to be corrected as never late FCRA 602 ( 15 usc 1681! Please update this information and communicate back with me via Email. I have owned my home many years and I need to take out a home equity line of credit to fix my roof as well as do other home repairs. I really do appreciate whoever is viewing this complaint. XXXX bless Account info : Name : XXXX XXXX XXXX Open Date : XXXX Amount : XXXX Acct # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC
State: DE

Complaint narrative:
I submitted my XX/XX/year>XXXX  mortgage payment on time. However, Planet Home Lending failed to process or withdraw the payment in XXXX. Instead, in XX/XX/year>, they removed two payments from my account both the delayed XXXX payment and the regular XXXX payment within the same month. 

This clearly shows that I fulfilled my obligation to pay on time, and the delay in processing was entirely due to Planet Home Lendings error, not mine. Despite contacting them and explaining the situation, they have not removed the inaccurate late payment from my credit report. 

This late mark has had a negative impact on my credit score, and I am requesting that it be removed from all credit bureaus as I did not fail to pay on time. 

Please assist me in resolving this issue and correcting the inaccurate reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 non-monetary relief
Consumer complaint received 2025-03-21 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/XXXX, I was checking out on the XXXX website and clicked on the button to pay with Paypal. Within the Paypal payment options, it stated I could get {$50.00} off my purchase when I opened a Paypal Mastercard. It showed my total as {$50.00} off what I had planned to purchase indicating that would be my total today when I signed up for the card. I signed up for the card and my total on the billing statement did not include the {$50.00} off. I contacted XXXX and I contacted Paypal and both directed me back to the other. This happened multiple times until I finally gave up. Both parties said they don't have that offer and it's through the other party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: NJ

Complaint narrative:
My twin daughters XXXX and XXXX XXXX attended XXXX XXXX in XXXX I was very sick at the time and was not able to attend the meeting they had with the counselors they got student loans and I had to sign for a parent loan which was not quite clear to me they were told the price that I paid in the parent loan and there loans amount would cover there internship the found out at the end of the class when it was time for the internship that that was not covered under there student loan and they would have to have another student loan to attend the internship. They told my girls they could not participate in the internship and they end up being dropped from the internship when we went to fight it they kept giving us the run around and the problem was never resolved and the school end up closing. So I am responsible for paying over {>= $1,000,000} for a program my kids got nothing from and they are in a student loan that they were not able to do an internship so therefore we are all in debt over a school that gave us mis-information and now closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MI

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 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