vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an alleged debt that has been attributed to me by XXXX  account # XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that XXXX  provide the following documentation as proof of the alleged debt : The name and address of the original creditor. 
The original account number associated with the debt. 
A detailed accounting of the amount claimed, including all fees, interest, and principal. 
A copy of any signed agreement or contract that XXXX  my legal responsibility for this debt. 
Documentation showing the full chain of assignment ( if the debt has been sold or transferred ). 
To date, I have not received sufficient documentation substantiating this claim. Until this information is provided and verified, I request that XXXX cease all collection activities, including reporting this account to credit bureaus, as doing so without proper validation may constitute a violation of federal law. 

Please consider this letter as a formal dispute of the debt, and a request that no further collection action be taken unless proper documentation is supplied. If you are unable to provide this information, I request that the debt be removed from my record immediately. 

I appreciate your attention to this matter. Please respond to this request in writing at the address listed above.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-13 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: CA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-06-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX I was the victim of a sophisticated scam by someone impersonating an XXXX XXXX representative. It started with a text message that looked like a legitimate fraud alert from XXXX asking whether I had attempted an XXXX XXXX transaction. When I responded No, I received a phone call from someone claiming to be with Allys fraud department. They were professional, used banking language, and gave me detailed instructions that I believed were helping me protect my account.\nFollowing their directions, I sent two payments through my PayPal account totaling XXXX to someone named XXXX XXXX XXXX XXXX at XXXX. I now know that I was being scammed. The impersonator specifically instructed me to mark the transactions as Sending to a friend, which I later found out removes PayPals standard purchase protection. I selected that option only because I believed I was working with XXXX XXXX to stop fraud, not because I was sending money to a friend or family member.\nAlthough I technically authorized the transactions, that authorization was based entirely on lies and manipulation. I did not knowingly or willingly agree to send money to a scammer. I acted in good faith under false pretenses, which is not genuine consent under consumer protection law.\nAs soon as I realized what had happened, I contacted PayPal. The transaction was still pending, and I explicitly told them I had been scammed and asked them not to let the payment go through. I have a record of that communication. Despite this, PayPal refused to intervene, citing their policy that personal payments are not covered under Purchase Protection. That response ignored the full context and failed to take any action to stop fraud, even when I reported it in real time.\nA few weeks later, the same scammer called me again and attempted the same scheme. This time, I recorded the conversation as evidence. I also saved the original scam text message, the email thread with PayPal, and confirmation of my reports to both the XXXX  Police Department (Case Number XXXX XXXX) and the Federal Trade Commission.\nI have also filed a CFPB complaint against XXXX XXXX, which refunded two smaller charges made during the same time period. That refund confirms that my account was compromised. I am now asking the CFPB to hold PayPal accountable as well. PayPal allowed this scam to succeed and ignored my attempts to stop it, even though they had the tools and the notice to act.\nThis was not a friendly payment mistake. This was fraud by deception. I did everything I was supposed to do, and I still lost money. I am asking for help to make this right.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This complaint is regarding the inaccurate and inconsistent reporting of my account ( XXXX XXXXXXXX ) with Regional Acceptance Co. I have made prior attempts to address this issue, including speaking directly with a supervisor by phone. However, I am now submitting this complaint to ensure there is a documented record of your handling of this matter, both for my protection and for the awareness of other consumers.

First, the balance being reported across credit bureaus is not consistent : XXXX XXXX XXXX report a balance of {$33000.00}, XXXX reports {$32000.00}.

These figures differ significantly, and no documentation has been provided to explain or validate either amount. This inconsistency is a clear violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) ), which requires that data furnished to consumer reporting agencies be complete, accurate, and uniform.

Additionally, XXXX is reporting a 30-day late payment for XX/XX/year>, which I believe is incorrect. This derogatory mark does not appear on my XXXX XXXX XXXX reports, and the reporting is inconsistent with my payment history. If a late payment is being reported, I am requesting full documentation showing how and why it was recorded. 

I am also fully aware of the arbitration agreement associated with this account. If I do not receive a full response within 15 days, including all documentation requested, removal of the XX/XX/year> late payment from XXXX, and correction of the reported balance, I will move forward with filing for arbitration and seek all remedies available to me under law.

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 2025-06-13 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: TN

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed 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 2025-06-13 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I discovered XXXX XXXX XXXX XXXX account was deleted from my Experian credit report while still reporting on TransUnion. This occurred during active arbitration ( XXXX  Case # XXXX ) where XXXX credit reporting accuracy is at issue. 
Key Facts : XXXX  FCRA Violation : Failed to uniformly report to all bureaus ( 1681s-2 ( a ) ). 
Experians Violation : Deleted disputed data mid-investigation ( 1681i ). 
Evidence Tampering : Deletion benefits XXXX by obscuring proof of illegal repossession/credit damage. 
Actions Taken : Requested XXXX  reporting logs ( XX/XX/XXXX no response ). 
Filed arbitration motion for spoliation sanctions ( XX/XX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
b"Dear \nRef: XXXX XXXX XXXX (my XXXX  rewards)- XXXX XXXX XXXX 7\nRef: Credit Bureau Name: XXXX, XXXX, XXXX\nI am writing to formally request a correction to my credit report regarding an account with XXXX XXXX XXXX.\nRecently, I paid off my credit card account with XXXX for which I had previously requested a payoff amount. After paying the balance in full, I received a refund check for XXXX due to an overpayment. However, shortly thereafter, I received a bill for XXXX Upon contacting XXXX  customer service, I was informed that this bill was an error and assured that it would be removed from my account within 30 days.\nUnfortunately, upon checking my credit report a month later, I found that the error had not been corrected. I reached out to XXXX  customer service again and was told that the matter would be resolved within another 30 days, but the issue remains uncorrected. As a result, XXXX  has reported my account as being 30-60 days late, which has negatively impacted my credit score significantly.\nI kindly request that you contact XXXXXXXX XXXX XXXX on my behalf to facilitate the removal of these negative remarks from my credit report. I believe this information is inaccurate and does not reflect my payment history with them.\nThank you for your attention to this matter. I look forward to your prompt response confirming the correction of my credit report.\nSincerely,\nXXXX 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 2025-06-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The J. G. Wentworth Company
State: MI

Complaint narrative:
Hello, below is the email I drafted to JG Wentworth Representative or Program Manager regarding what took place. 

My name is XXXX XXXX, and I enrolled in your debt resolution program on XXXX XXXX XXXX. I am writing to formally express a number of serious concerns regarding the current status of my account, as recent developments have caused me significant anxiety and uncertainty about the integrity and administration of the program. 

In mid to late XXXX, I was notified of alleged missed payments on my account. Upon reviewing my client portal, I noticed a noteapparently documented by your affiliated law firmindicating a failure to make required payments. This was deeply troubling, as I have consistently fulfilled my financial obligations under the terms of the agreement, including submitting additional payments in an effort to complete the program ahead of schedule. These payments were discussed and acknowledged during my most recent phone conversation with a representative. 

It is my understanding that I entered into a clear agreement involving a fixed monthly payment amount, inclusive of applicable taxes and fees. At no point was I informed of any delinquency or deviation from that arrangement prior to the notice I received in XXXX. 

Given these discrepancies, I respectfully request : A complete and itemized transaction history of all payments received and applied to my account. 

Written clarification regarding the source and content of the note entered by your legal affiliate. 

An explanation for why I was not promptly notified if payment issues were allegedly identified. 

Confirmation of my current standing in the program and how this issue may affect my graduation status. 

I am committed to resolving this matter efficiently and would appreciate a response in writing at your earliest convenience. Please consider this email a formal documentation of my concerns and request for clarification. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-06-13 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: MN

Complaint narrative:
This complaint is for XXXX credit. I have never missed a payment. In XXXX of last year they stopped reporting to my credit. My credit last year was in the high XXXX and climbing. Since they stopped reporting. My TransUnion is non-existent, and my Equifax has tanked. I talked to them in XXXX of last year and they have only made it worse. Currently my Equifax says I owe {$900.00}. But I only owe {$260.00}. I given them enough time to resolve this. But nothing has happened.

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 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
Mosaic the solar company defrauded me by putting a {$100000.00} loan in my name only and all I have for income is my social security. I have hired an attorney to represent me and he informed me that Mosaic is in bankruptcy and that I should contact you. The panels have not worked properly for 4 years. They have been here more than 10 times to try and fix them and we were told we had to pay {$350.00} for them to come out again, even though it was no fault of ours. The tech told us it was wired completely wrong. So I paid them {$170.00} to come out ( they discounted the fee ) and put in writing if it was a continuation of the problem I would receive that money back, which I never did. But that is not the issue, the issue is that they defrauded me from the get go according to me and my attorney who told me to file this and a few other things concerning the matter. We have stopped making payments as of yesterday per our attorney 's advice. This is elder abuse. And my attorney said he has 12 other cases against Mosaic/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: KS

Complaint narrative:
I am writing to request a refund of overpaid interest totaling {$350.00}. I entered into a contract with XXXX XXXX XXXX on XX/XX/XXXX, for {$10000.00}, which included a promotion through Aqua Finance for six months of no interest and no payments. Page 4 of my contract, which is attached, details these promotional terms. 

My first invoice arrived around XX/XX/XXXX. I made an initial payment of {$3500.00} on XX/XX/XXXX, through my online account. Subsequently, I set up automatic payments of {$1800.00}, which were processed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Before the promotional period ended on XX/XX/XXXX, I checked my account online and noticed that the balance was not XXXX. To ensure full payment, I made an additional payment of {$220.00} on XX/XX/XXXX. Upon rechecking my account, it showed an outstanding balance of {$18.00}, which I paid on XX/XX/XXXX. I later realized that Aqua Finance had been incorrectly charging me interest, leading to these additional payments. I paid the outstanding amounts to avoid any negative impact on my credit.

I contacted Aqua Finance on XX/XX/XXXX, to request a refund of the overpaid interest ( {$350.00} ), and was given reference number XXXX. I missed the return call, but a message indicated there was no promotion on my account. I called back on XX/XX/XXXX and explained that my contract clearly stated the promotional terms and that I had met all conditions, so no interest should have been charged. After approximately an hour, the agent confirmed that my account was set up incorrectly, agreed that I did not owe interest, and that the account had been paid according to the contract terms. I was informed that the overpayment of {$350.00} would be processed as an ACH transfer to my bank, with an expected arrival date around XX/XX/XXXX. 

Upon reconciling my XXXX bank statement, I noticed that the refund was never issued. I called again on XX/XX/XXXX and had to re-explain the situation. After a 45-minute call, I was told a manager would contact me shortly, but no call was received. I called back on XX/XX/XXXX, spent over 30 minutes on the phone, and was again told someone would call me back, which has not happened.

I have attached a copy of my contract for your review, with page 4 highlighting the promotional details. I respectfully request an immediate refund of the {$350.00} overpaid interest.

Company response to consumer: Closed with explanation