vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX - XXXX - {$7400.00} XXXX XXXX - XXXX - {$390.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$600.00} XXXX XXXX XXXX - {$520.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: WI

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 2025-02-05 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: NJ

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 2025-02-05 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WI

Complaint narrative:
XX/XX/year> requested information collection Practices ( 15 USC 162g of Fair Debt 1 The Amount of the debt 2 The name of the original creditor 3 Detail exolanination of the debt, including fees, interest, or other charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AZ

Complaint narrative:
I am submitting this dispute regarding the following negative items on my credit report XXXX XXXX XXXX  - XXXX - {$550.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Midland Credit Management claims that the county sheriff delivered a summons to me regarding the alleged debt. They claim that it was given to my spouse. We can prove that was not true. They claim that it was given to XXXX XXXX - that is not the correct last name that she goes by, even though that is my spouse. Again, regardless of name, neither I, nor my spouse received the summons. Midland Credit Management has used false information which has led to a court summons that I never received which led to an unlawful wage garnishment. This has been severely damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This is a continuation of the previous complaints with Synchrony Bank .... I have a problem with my balance for the amount of {$1900.00} XXXX. There are three different months with the balance on my statements. The amount of {$2500.00} XXXX  that I had been scammed for a vehicle that I never received. Synchrony 's policy is to credit their customer 's account for purchases never received. I spoke with the representatives in reference to the scammed, and I was assured that my account would be credited the full amount {$2500.00} XXXX. My balance was {$3500.00} XXXX  after the scam, so my account was credited the $ XXXX which brought my balance down to {$2400.00} XXXX  which left the {$1500.00} XXXX. I had been making payments on my account because there were some other items on my account that I bought and owed the money. However, my account balance was now down to {$1900.00} XXXX  with the payments I had been paying towards the balance. I called Synchrony Bank and asked why was my account still as high as it was? The representative screamed at me about the purchases I had made, which I had been paying on which is one of the reasons my account was {$1900.00} XXXX. The next month Synchrony informed me that I won my case, and they credited the {$1500.00} XXXX, but the amount owed was still {$1900.00} XXXX  and they argued that it was the right balance. I reported Synchrony Bank to CFPB and after I reported they said they were going to take a look at it, and they are still saying to make payments. I explained in the other emails that until they contact me with an explanation why my balance is still {$1900.00} XXXX, after they said it was credited {$1500.00} XXXX. The numbers aren't adding up properly.

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 2025-02-05 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: TX

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2025-02-05 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: TX

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my 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 explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
This is a formal complaint concerning the inaccurate and incomplete information that has been reported on my credit file by Experian, which I initially raised with them on XX/XX/XXXX, [ XXXX ]. Despite my concerns, the matter remains unresolved. I am requesting the Consumer Financial Protection Bureau 's assistance to address these issues under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I forwarded a letter to Experian regarding the following accounts, which have been inaccurately reported and appear on my credit report : XXXX XXXX XXXX Account Number : [ Insert Account Number ] Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S. DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S. DEPARTMENT OF EDUCATION Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the right to dispute inaccurate or incomplete information on my credit report. Specifically, FCRA Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies investigate disputed information, typically within 30 days, and correct any inaccuracies or incomplete information. My efforts to resolve this matter directly with Experian have not yielded any meaningful action or correction.

Furthermore, Section 602A of the FCRA ensures that consumer reporting agencies maintain accurate, timely, and complete credit reporting. By continuing to report inaccurate account information, Experian is in violation of my rights under this law.

Despite my timely submission of the dispute to Experian, the listed accounts still appear with inaccurate information, which is severely affecting my credit score and financial well-being. The lack of resolution from Experian regarding these accounts is causing undue harm, and I am requesting the CFPB to assist in enforcing my rights under the FCRA and ensure the inaccurate information is properly addressed.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the 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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Me and my son went to the XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/year> It was about XXXX minutes before closing so when I found the car I wanted we just hurried up into the paperwork I actually didn't get the paperwork until we can have after I already own the car like I already switched car home when I picked up the car on the second they did nothing as far as detailing except for putting gas in the car so we can have later I get the paperwork from the dealership from the salesman and then a couple weeks after that I get the paperwork from Santander and I'm looking it over and I'm trying to figure out why my annual percentage rate is 18.40 % My finance charge is {$15000.00} my amount finance is {$25000.00} My total of payments is {$40000.00} and my total sales price including my {$2000.00} down payment is {$42000.00} there's also fees in here I did not agree to because I bought the extended warranty so there is a tire and wheel XXXX  whatever that is {$1700.00} and there's also a XXXX XXXX XXXX  maintenance plan for {$1300.00} also the car was already on the lot when I showed up there so it's not like it was delivered especially for me and I can see where the electronic registration filing fee comes in but why am I paying it {$1200.00} pre-delivery fee went and it was not specifically delivered for me. Also the paperwork for the loan company is different than the paperwork from the dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I made a return to XXXX XXXX on XX/XX/XXXX. the return was processed for the XXXX XXXX XXXX XXXX XXXX. Since I paid originally with Paypal, XXXX XXXX made the return to Paypal. Transaction ID : XXXX. This was sent to Paypal from XXXX XXXX on XX/XX/XXXX and it was never credited to my account. I then filed a claim with my bank ( XXXX ) to look into it. The Paypal Claim ID : XXXX. 

Paypal refused to give me my credit since I had opened a claim with my financial institution. After talking to XXXX they provided me with their XXXX  Number as evidence they closed the case on their side on XX/XX/XXXX. ARN : XXXX which was sent to paypal on XX/XX/XXXX proving the case was closed. Paypal still has not refunded my money related to this claim XXXX. Paypal is saying its CHASE even though the money was NEVER credited to my Paypal account. I've attached pages and pages of the claim correspondence with Paypal. 

I need PAYPAL to credit my paypal account with XXXX XXXX  which was never credited. Paypal has decided to close my case and is asking me to go over everything again. They have taken no action since XXXX and I'm not going to go through this for another 3 months which they take no action. Please seek my credit from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 sent multiple dispute letters to transunion regarding inaccurate information on my credit report. Despite providing evidence, Transunion has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : Transunion has not ensured the maximum possible accuracy of the information in my credit file.

15 USC 1681s-2 : Transunion has continued to report inaccurate information after I provided notice of disputes. 15 USC 1681 ( 5 ) : Transunion has reinvestigated and reinserted disputed items without notifying me, as required by law. 15 USC 1681c ( c ) : Transunion has reported obsolete information that should have been excluded from my credit report. Recently, I became aware of the lawsuit filed by the CFPB against XXXX on XX/XX/year> titled " CFPB Sues XXXX for Sham Investigations of Credit Report Errors. '' According to the CFPB, XXXX has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing with Transunion. 
Transunion failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-05 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

Here are the accounts I have marked as inaccurate : Current - secure credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: WI

Complaint narrative:
These is the account that I have marked as inaccurate. 
XXXX XXXX XXXX  Account number 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