vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Based on the evidence, the Department found that The XXXX XXXX engaged in widespread and pervasive substantial misrepresentations that deceived students about the value they would be receiving from their education. This limited my availability to properXX/XX/XXXX at the school, which ultimately led to being forced into private student loans in order to finish the program. Since the closure of the school, I no longer have the ability to accredit my degree and confirm my graduation. Ultimately, I am required to pay for something that no longer exists. 

During the process of applying for student loans, each semester The XXXX XXXX XXXX XXXX XXXX would lose prospective lenders forcing students into high interest private loans with two banks, XXXX and Citizens Bank. 

Citizens Bank did not provide any payment assistance upon graduation and defaulted the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding IC. System Collections handlings of disputes, particularly in light of the recent lawsuit with multiple banks highlighting significant issues with the platforms with identity theft.

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 2025-02-07 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Subject : Formal Complaint Against Synchrony Bank/Venmo for Violations of the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against Synchrony Bank/Venmo for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( a ), which governs the responsibilities of furnishers of credit information. Synchrony Bank/Venmo is reporting a debt on my credit file on an excessive and unreasonable weekly basis, which constitutes unfair or inaccurate credit reporting. This practice is misleading, can be considered a form of harassment, and negatively impacts my credit profile.

Under the FCRA and California 's Consumer Credit Reporting Agencies Act ( CCRAA ) ( Cal. Civ. Code 1785.25 ), furnishers of credit information are required to ensure the accuracy and fairness of the information they report. By excessively updating the reported account in an unfair manner, Synchrony Bank/Venmo is : 1. Providing inaccurate or misleading information in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers must not report information that they know or have reasonable cause to believe is inaccurate. Frequent reporting of the same debt misrepresents the true status of my account.

2. Engaging in potentially harassing or abusive reporting practices, which may be considered an " unfair '' practice under the FCRA and an attempt to damage my credit standing unduly.

3. Failing to uphold their duty to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ), by excessively updating the same debt, thereby distorting the true nature of my credit report.

Credit Report has been updated on the following dates : Synchrony Bank/Venmo Credit Alerts Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX 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 2025-02-07 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Someone used an account and sent me money from the account saying it was investment money. It came back as fraud so they shut down my XXXX then when I called and I asked him was it gon na do anything to my account he said no just my XXXX was getting shut down then three days later my whole account got permanently shut down due to that XXXX and I pacifically asked him. Can they block that XXXX and that I had nothing to do with that being a fraud I was scammed now my account is permanently closed, but I need my Navy Federal account because Im enrolling in the military and I have my benefits that I need with that account. I even stated that Im in the works of getting a new number and a new Social Security number due to this. Thats how much Im trying to prove no I did not have nothing to do with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: OH

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Goal Structured Solutions, LLC
State: UT

Complaint narrative:
Over-charges for interest seem to total more than several hundred dollars over the last 30 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
I tried contacting my servicer, Mohela, multiple times throughout the week of XXXX to XXXX, 2025 about when I can expect my loans to be discharged and payments refunded as stated and confirmed by The Department of Education to take effect. I was unable to reach anyone or obtain any information on the matter, with phonecalls placing me on hold from anywhere between 2-4 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: West Central Texas Collection Bureau
State: TX

Complaint narrative:
Im curious to see how the situation unfolds regarding my credit report, as the information listed doesnt seem to belong to me. Im also looking forward to finding out why I cant recall visiting the hospital.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Tromberg, Miller, Morris & Partners, PLLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an alleged debt for which I have received separate collection attempts from both XXXX XXXX and XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., it is unlawful for two separate entities to pursue collection on the same alleged debt without a valid explanation or legal authority. Furthermore, I did not provide consent for my personal information to be shared, disclosed, or transferred between your companies, in violation of my rights under consumer privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The unauthorized sharing of my personal information constitutes a serious breach of privacy and legal compliance. 

I demand immediate clarification and resolution of this matter. Specifically, I require a detailed and itemized validation of this alleged debt, including the name of the original creditor, the amount claimed, and proof that either XXXX, XXXX or XXXX XXXX XXXX XXXX has the legal authority to collect this debt. Additionally, I require an explanation of how my personal information was obtained, whether it was shared or transferred between your companies, and proof of my explicit consent to such an exchange. Until this dispute is fully resolved, I demand that all collection activities cease immediately. 


I expect your immediate attention to this matter and a written response from both XXXX XXXXXXXX and XXXX XXXX XXXX XXXX within 30 days. Failure to respond or continued unlawful collection practices will result in immediate escalation to the fullest extent permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NJ

Complaint narrative:
I am submitting this dispute regarding the remaining unauthorized hard inquiries still present on my credit report, despite my initial dispute last month. While I appreciate that many of the disputed inquiries have already been removed, there are still some that remain ( XXXX XXXX XXXX, XXXX XXXX XXXX ). These hard inquiries were not authorized by me and were reported without my written consent, violating my rights under the FCRA. Under 15 USC 1681b, credit reporting agencies are required to ensure that all reported inquiries are made with a permissible purpose. Since I did not provide any written. Authorization for these inquiries, their continued presence is a clear violation of this requirement. Additionally, under 15 USC 1681e ( b ), Experian is obligated to ensure maximum possible accuracy in the reporting of credit information. The failure to remove all unauthorized inquiries despite my prior dispute demonstrates a lack of diligence in meeting this legal standard. Furthermore, under 15 USC 1681n, Experian may be subject to liability for statutory damages due to willful noncompliance.

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 2025-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention the unacceptable practices of several entities concerning the collection of debts related to my credit accounts. First, I would like to address the transfer of my credit account by ___ Company to___. ___currently owns the debt, which means that the debt is no longer mine.

Additionally, this transfer occurred without my consent, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( b ), which prohibits communication with anyone other than the consumer in connection with the collection of a debt.

Furthermore, according to 15 U.S.C. 1681 ( 5 ), if any disputed information is found to be inaccurate or can not be verified after a reinvestigation, the consumer reporting agency must promptly delete that information or modify it and notify the furnisher of that information about the changes made to my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
To whom this may concern, I recently found myself looking to become a home owner and wanted to take a look at my credit report. I noticed a bunch of fraudulent activity on my report which prompted me to file a FTC report that I will be attaching to this report which contains XXXX fraudulent accounts as well as inquiries I didn't do as if I can recall correctly I havent had my credit pulled since I moved into my house more then 15 years ago.

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 2025-02-08 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:
To whom this may concern, I recently found myself looking to become a home owner and wanted to take a look at my credit report. I noticed a bunch of fraudulent activity on my report which prompted me to file a FTC report that I will be attaching to this report which contains XXXX fraudulent accounts as well as inquiries I didn't do as if I can recall correctly I havent had my credit pulled since I moved into my house more then 15 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: LEXISNEXIS
State: TX

Complaint narrative:
Due to my information being involved in several data breaches over the past XXXX  years I filed an identity theft report with my local police department ( Tracking Number XXXX ) and the FTC ( FTC Report Number : XXXX ). 



Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Total fraudulent amount : {$830.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: ID Analytics, Inc.
State: TX

Complaint narrative:
Due to my information being involved in several data breaches over the past 7 years I filed an identity theft report with my local police department ( Tracking Number XXXX ) and the FTC ( FTC Report Number : XXXX ). 



Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Total fraudulent amount : {$830.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-07 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: CA

Complaint narrative:
I had just recent got to thinking its time to buy a house. When I pulled my credit report I noticed a bunch of fraudulent activity on it so I just filed a FTC report that I will be attaching here that contains XXXX fraudulent accounts along with a number of fraudulent inquiries I will be submitting with this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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 had just recent got to thinking its time to buy a house. When I pulled my credit report I noticed a bunch of fraudulent activity on it so I just filed a FTC report that I will be attaching here that contains XXXX fraudulent accounts along with a number of fraudulent inquiries I will be submitting with this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within XXXX  days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX Account # : XXXX Balance : {$7000.00} XXXX XXXX Account # : XXXX Balance : {$7800.00} XXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$6700.00} XXXX XXXX Account # : XXXX Balance : {$1900.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief