vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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:
Since XX/XX/XXXX, Ive faced repeated ACH payment rejections on my XXXX XXXX ( issued by XXXX XXXX ), starting with a {$55.00} auto-payment rejection. I attempted payments 14 times from XX/XX/XXXX to XX/XX/XXXX, ranging from {$110.00} to {$900.00}, all rejected without clear explanation. I spent 12+ hours on calls with 20+ representatives, filed complaints, and sent a certified letter to XXXX XXXX and XXXX on XX/XX/XXXX, but received no resolution. A manager suggested transferring funds to XXXX XXXX, which worked for a {$650.00} payment on XX/XX/XXXX, but ACH issues persisted ( e.g., {$20.00} rejected on XX/XX/XXXX ). This led to a delinquency reported on my credit report, causing loan denials, a high-interest auto loan, and risks to my XXXX XXXX security clearance. I filed disputes with TransUnion, XXXX XXXX and XXXX ( four times ), but XXXX claims the reporting is accurate and due to this response from XXXX and insufficient and negligent investigations by the credit bureaus they have upheld the delinquencies. The CFPBs XX/XX/XXXX, action against XXXX and XXXX XXXX ( Order XXXX XXXXXXXX ) found they mishandled disputes and reported incorrect negative information, matching my experience. I request removal of the delinquency, compensation for financial harm ( e.g., high interest rates ), and inclusion in the {$19.00} XXXX redress program. 


As of today nearly 4 years later, no issues have been resolved, repeatedly internal " investigations '' have led to the refusal to correct this issue, and nothing has been done to help me and has further damaged my credit.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Since XX/XX/XXXX, Ive faced repeated ACH payment rejections on my XXXX XXXX  ( issued by XXXX XXXX ), starting with a {$55.00} auto-payment rejection. I attempted payments 14 times from XX/XX/XXXX to XX/XX/XXXX, ranging from {$110.00} to {$900.00}, all rejected without clear explanation. I spent 12+ hours on calls with 20+ representatives, filed complaints, and sent a certified letter to XXXX XXXX and XXXX on XX/XX/XXXX, but received no resolution. A manager suggested transferring funds to XXXX XXXX, which worked for a {$650.00} payment on XX/XX/XXXX, but ACH issues persisted ( e.g., {$20.00} rejected on XX/XX/XXXX ). This led to a delinquency reported on my credit report, causing loan denials, a high-interest auto loan, and risks to my XXXX XXXX security clearance. I filed disputes with XXXX, Equifax, XXXX and XXXX ( four times ), but XXXX claims the reporting is accurate and due to this response from XXXX and insufficient and negligent investigations by the credit bureaus they have upheld the delinquencies. The CFPBs XX/XX/XXXX, action against XXXX and XXXX XXXX ( Order XXXX XXXXXXXX ) found they mishandled disputes and reported incorrect negative information, matching my experience. I request removal of the delinquency, compensation for financial harm ( e.g., high interest rates ), and inclusion in the {$19.00} XXXX redress program. 


As of today nearly 4 years later, no issues have been resolved, repeatedly internal " investigations '' have led to the refusal to correct this issue, and nothing has been done to help me and has further damaged my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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:
Since XX/XX/XXXX, Ive faced repeated ACH payment rejections on my XXXX XXXX  ( issued by XXXX XXXX ), starting with a {$55.00} auto-payment rejection. I attempted payments 14 times from XX/XX/XXXX to XX/XX/XXXX, ranging from {$110.00} to {$900.00}, all rejected without clear explanation. I spent 12+ hours on calls with 20+ representatives, filed complaints, and sent a certified letter to XXXX XXXX and XXXX on XX/XX/XXXX, but received no resolution. A manager suggested transferring funds to XXXX XXXX, which worked for a {$650.00} payment on XX/XX/XXXX, but ACH issues persisted ( e.g., {$20.00} rejected on XX/XX/XXXX ). This led to a delinquency reported on my credit report, causing loan denials, a high-interest auto loan, and risks to my XXXX XXXX security clearance. I filed disputes with XXXX XXXX Experian, and XXXX ( four times ), but XXXX claims the reporting is accurate and due to this response from XXXX and insufficient and negligent investigations by the credit bureaus they have upheld the delinquencies. The CFPBs XX/XX/XXXX, action against XXXX and XXXX XXXX ( Order XXXX XXXXXXXX ) found they mishandled disputes and reported incorrect negative information, matching my experience. I request removal of the delinquency, compensation for financial harm ( e.g., high interest rates ), and inclusion in the {$19.00} XXXX redress program. 


As of today nearly 4 years later, no issues have been resolved, repeatedly internal " investigations '' have led to the refusal to correct this issue, and nothing has been done to help me and has further damaged my credit.

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 2025-04-20 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Did not receive all the information from the investigation

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 2025-04-20 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Did not receive all the information from the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY PERSONAL INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX DATA BREACH AND SOMEONE WAS SUCCESSFUL IN OPENING ACCOUNTS ON MY BEHALF WITHOUT MY CONSENT OR AUTHORIZATION. I HAVE PROOF THAT MY INFORMATION WAS STOLEN AND I WAS A VICTIM OF THE EQUIFAX DATA BREACH

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY PERSONAL INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX DATA BREACH AND SOMEONE WAS SUCCESSFUL IN OPENING ACCOUNTS ON MY BEHALF WITHOUT MY CONSENT OR AUTHORIZATION. I HAVE PROOF THAT MY INFORMATION WAS STOLEN AND I WAS A VICTIM OF THE EQUIFAX DATA BREACH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
XXXX XXXX is threatening me to pay {$56.00} because they claim I owe that amount, however out of the blue they decided to stop charging my credit card I had on file and on top of that refused to allow me to use my membership before such threat. After realizing they wanted me to pay dues for looks like 2 months of membership when I could not even use the service in the during that time I decided to not pay the amount asked for. In the photos provided you can see that they claim my card declined yet still charged me for XXXX additional months? What sense does that make?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
Consumer adjustment is shown as a derogatory mark on my credit report as medical and I havent had or been to the hospital in over XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: OH

Complaint narrative:
XXXXTHESE ACCOUNTS ARE NEGATIVELY REPORTING ON MY CREDIT AND THEY ARE NEGATIVELY AFFECTING ME. I WOULD LOVE FOR THEM TO BE REMOVED AS SOON AS POSSIBLE. PLEASE AND THANK YOU! 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 2025-04-19 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: OH

Complaint narrative:
XXXXTHESE ACCOUNTS ARE NEGATIVELY REPORTING ON MY CREDIT AND THEY ARE NEGATIVELY AFFECTING ME. I WOULD LOVE FOR THEM TO BE REMOVED AS SOON AS POSSIBLE. PLEASE AND THANK YOU! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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 HAVE BEEN A VICTIM OF IDENTITY THEFT. MY PERSONAL INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX DATA BREACH AND SOMEONE WAS SUCCESSFUL IN OPENING ACCOUNTS ON MY BEHALF WITHOUT MY CONSENT OR AUTHORIZATION. I HAVE PROOF THAT MY INFORMATION WAS STOLEN AND I WAS A VICTIM OF THE EQUIFAX DATA BREACH

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 2025-04-19 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: FL

Complaint narrative:
I am submitting this complaint against TransUnion for its failure to accurately report my credit information. Despite submitting formal disputes and providing supporting evidence, TransUnion continues to report several charge-off accounts that were deleted by XXXX  in XX/XX/year> after being deemed inaccurate or unverifiable. Below is a list of the disputed accounts that remain on my TransUnion report : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CARD Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These continued entries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. XXXX ( b ) for failing to ensure maximum possible accuracy,15 U.S.C . XXXXi ( a ) for failing to conduct a proper reinvestigation of disputed information, and15 U.S.C. XXXXo for negligent noncompliance with the FCRA. I have repeatedly asked TransUnion to verify these accounts, and they continue to claim that the entries are accuratedespite their deletion by another major credit bureau. If XXXX has determined these accounts were unverifiable or inaccurate, then continued reporting by TransUnion without new substantiating evidence is unjustified. To date, I have not received this detailed verification. I am concerned that TransUnions verification process may be automated and not in compliance with FCRA standards requiring a reasonable reinvestigation of disputed information. These inaccurate charge-offs are causing significant harm to my creditworthiness, affecting my ability to obtain favorable financial terms and opportunities.

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 2025-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
An escrow account was created although I paid the required insurance premium in full by the indicated due date. No other payment amounts are involved, but the company retained the financial errors from the unnecessary escrow account in spite of my letter describing these errors in detail and incorporated the false payment amounts into the mortgage payment, greatly and fraudulently increasing it, then refused the regular recurring payment amount as partial payment and sent the checks back to me, leaving them unpaid and my credit damaged. Although they indicated a response to my letter would be sent within XXXX business days, just XXXX days later they are threatening foreclosure if I fail to pay their erroneous amounts, while they have not addressed my letter or these accounting errors/false payment claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite XXXX previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. My correct and current personal information is : Full Name : XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA XXXX ( a ) ( XXXX ). You are legally required to conduct a reasonable reinvestigation and respond within XXXX days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA XXXX ( b ). 

XXXX XXXX XXXX, XXXX, NY, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
on XX/XX/year> we sent the below to XXXX XXXX as we started receiving debt collection letters from " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX '' : Dear XXXX XXXX  XXXX of XXXX, XXXX, I am writing to formally dispute the recent bills we have received regarding alleged non-payment for dental services. We have diligently paid all dues at the time of service, and we are surprised to receive these unexpected charges. 
Upon inquiry, we were informed that the charges stem from services provided by a doctor who was not covered under our insurance. We were never notified of a change in the attending provider, nor did we consent to receiving treatment from an out-of-network provider. This change was imposed on us without our knowledge or approval, and we should not be held financially responsible for the oversight. 
Furthermore, we were not given any prior notice of potential out-of-network charges, which is a violation of our patient rights and potentially a breach of good faith medical billing practices. Sending these erroneous charges to a debt collection agency is unwarranted and may constitute an unfair debt collection practice.

We formally request : Immediate withdrawal of the debt from the collection agency.

Written confirmation that no further collection action will be taken.

A review of your internal billing and notification practices to prevent similar incidents in the future. 

If these requests are not met within 30 days, we will have no choice but to explore legal options, including but not limited to filing a complaint with the XXXX XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ), and our insurance provider. Additionally, we will consider seeking legal counsel to address the matter formally. 
We hope to resolve this matter amicably and trust that you will take the necessary corrective action. Please confirm receipt of this letter and provide a written response addressing our concerns at your earliest convenience. 

TILL DATE WE HAVE NOT RECEIVED DETAILS FROM RIVER RUN AND THE DEBT COLLECTION STILL SENDING COLLECTION LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: OH

Complaint narrative:
Ive recently notice negative damages towards my credit report and just would love this problem fixed 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 explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lincoln Educational Services Corporation
State: NC

Complaint narrative:
I am filing a complaint because an account that was previously deleted from my XXXX credit report on XX/XX/2024, was reinserted on XX/XX/2024. The account had been disputed, and it was removed from my report after that dispute. However, when the account was reinserted, I did not receive any written notification from XXXX as required by the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 611 ( a ) ( 5 ) ( B ), I am entitled to be notified in writing when an account is reinserted after being removed, but I have not received such notification either by mail or email.

Additionally, the same account was already removed from my reports with other credit bureaus ( such as XXXX and XXXX ), who have correctly handled the dispute and removed the account without reinsertion. XXXX failure to provide me with the required notification and reinsert the account without cause is a violation of my rights, and I am requesting that the account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/XXXX I made a payment to APPLECARD GSBANK PAYMENT XXXX TEL ID : XXXX for {$3500.00} and asked the Apple Card Goldman Sachs Representative to close the account. The representative took the payment using my XXXX XXXX XXXX which I provided. In XX/XX/XXXX I received a credit card statement in the mail at XXXX XXXX XXXX XXXX, IL, XXXX. On XX/XX/XXXXXXXX  I received a credit to my XXXX Checking Account in the amount of {$70.00}. After numerous unsuccessful calls to Applecard Goldman Sachs Bank I was unable to access the account to see why it was open. The representatives asked for my social security number and I stated I will not provide it. I then called my XXXX XXXX  several times and was able to reverse the {$70.00}. I am not sure if the AppleCard Goldman Sachs Bank Account is still open since I can not access it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: AZ

Complaint narrative:
The FCRA indicates everything on my consumer report has to be 100 % accurate. You are reporting XXXX accounts that were a result of identity theft. According to 15 USC 1681 C-2 I asked for this XXXX accounts to be removed immediately XXXX. XXXX  XXXX ( XXXX ) XXXX. XXXX XXXX ( {$1300.00} ) Furrhermore, Law FCRA 605B states it is illegal to put information on my condumer report without my consent. Remove this from my consumer report. Thank 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 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
XX/XX/year> i transferred XXXX and robinhood restricted my account contacted them and could not get a straight answer also said would transfer me on chat and cut it off every time. I got an email had to fill out. Returned right away and then got the same form to fill out. Filled it out again and they replied with the same form! This went on for 7 times in a row! Frustrated and mad. Nobody to contact they stop answering on chat. I have no answers and see so many of the same stories online. Seems I will be delayed and my money that I need will be on hold with no answers for a long time! Please help me robinhood is a bunch of unethical crooks!

Company response to consumer: Closed with explanation