vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: IL

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 2025-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I made payments to this account with a debit card I had to call in to authorize. I could not update or change my account payment method information despite being advised to do so. There was some type of restriction or technical error with my account causing the system to reject my debit cards even though the funds were available and there was no spending limit restrictions on my account for what was needed for the transaction. Netcredit repeatedly instructed me to contact my bank and I did several times in which the verified there were no holds on my account. I also used the same cards at different merchants with no issues. while I'm dealing with the issue and hardship to make the payment netcredit reported payments late to my credit and are continually refusing to acknowledge rejected my debit cards over 10 times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: NV

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 explanation
Consumer complaint received 2025-03-20 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NC

Complaint narrative:
EDfinancial reported to my credit company XX/XX/year>. They have it reported as deferred. University has returned the loan back to Ed financial. loan is in an unknown status not deferred nor do I owe Edfinancial. When I reach out they have no information or any account with my name. ACCOUNT WAS NEVER OPENED FOR LOAN. WAS RETURNED BY XXXX XXXX XXXX  AND CANCELLED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Paypal has been giving me late fees for paying 3 -4 days late. I have never gotten late fees that fast. I am paying payments but the balance is not going down. It is steadily increasing. Also, if I pay over the minimum amount it says next month I have a {$0.00} payment. I feel that they are charging excessively on interest and late fees keeping me from paying this card down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-20 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: OH

Complaint narrative:
The balance owed is reporting inaccurately across all 3 credit reporting agencies for my XXXX XXXX XXXX loan, acct # : XXXX. This is my second time addressing this issue, and I am entitled to an accurate and complete report. The balance left is {$11000.00}. I also notice my account was a credit sale. The dealership I got the vehicle from did not offer me an installment loan at all, and therefore the information is inaccurate and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Formal Complaint Against LVNV Funding for Attempted Debt Collection on a Fraudulent Account To Whom It May Concern, I am writing to formally lodge a complaint against LVNV Funding regarding their attempts to collect a debt allegedly owed to XXXX XXXX XXXX. I wish to bring to your attention the following points : Fraudulent Account : The account in question was charged off by XXXX XXXX XXXX  due to fraud. I have filed disputed information to this effect, and no collection efforts were made by XXXX XXXX XXXX prior to this charge-off. I have no dealings or recollection of any other debts with any other creditors. 

Miscommunication and Distress : I have spoken with XXXX at XXXX XXXX XXXX  and reached out to the attorney 's office at XXXX XXXX XXXX, specifically XXXX XXXX. XXXX XXXX instructed me to contact the courts, which in turn provided me with a number back to XXXX XXXX XXXX. This circular miscommunication has been unhelpful and has caused me significant daily distress. 

Negative Impact on Credit Score : Despite the fraudulent nature of the account, LVNV Funding continues to place items on my credit report, which has had a detrimental effect on my overall credit score. This ongoing issue is causing undue stress and financial harm.

I appreciate your prompt attention to this matter and look forward to a resolution that will alleviate the undue stress and financial harm caused by these actions. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
- These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Dispute Case ID with PayPal : XXXX Amount XXXX {$390.00} Transaction ID : XXXX I received two payments for services I provided by individuals into my PayPal account. The total amount was {$390.00}. I requested the money be transferred via a physical check sent by USPS. PayPal reports a was check issued on XX/XX/XXXX. 
On XX/XX/XXXX I wrote PayPal that I had not yet received the check and wanted to see if the check had been returned or whether they could issue another check. They denied my request for the money to be resent. The next step was to go through their appeal process. I wrote them, " XX/XX/XXXX, Dear PayPal : As of this writing I still have not yet received the check in the amount of {$390.00} from PayPal. Since it was issued to the proper address, the only logical answer as to why it hasn't been received is that it was lost or damaged while in transit in the mail. My post office box is in a safe USPS center and there is no suspicion of theft from my XXXX box . I request that you stop the check and issue a new check once the stop payment is completed. I hope this can be done in a timely manner. 
On XX/XX/XXXX I received a notice from PayPal as follows : " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because our records show that this transaction was processed correctly. '' Once the appeal was denied, I have no other way of communicating with PayPal to collect the money other than possibly going to small claims court in an effort to get the check reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. 

Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX ) Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX all fraud 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 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX PROS XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK 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 non-monetary relief
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: VA

Complaint narrative:
I am reaching out to request assistance and a fair resolution regarding my student loan repayment. In XXXX, I was informed by Mohela that my monthly payment would be over {$1000.00}. Knowing that this amount was unaffordable, I used the XXXX loan simulator, which calculated my payment should be {$200.00}. However, when I contacted Mohela, they refused to honor that amount and instead offered a reduced payment of approximately {$800.00}, which was still unmanageable. As a result, I requested forbearance and applied for the SAVE plan. 

In XXXX, my payment was adjusted to {$670.00} per month, due in XX/XX/XXXX. Unfortunately, I could not afford this amount and was unable to make the payment. Despite this, I continued to receive emails and phone calls regarding the outstanding balance. When I called for clarification, the automated message stated that all payments were automatically placed in forbearance due to a pending lawsuit, and there was no need to take action. However, when I spoke with a representative, I was told this was incorrect and that I still needed to request a forbearance. 

I requested to be placed on an administrative forbearance, but I was informed that because I had not submitted a new SAVE plan application ( during the application window of XX/XX/XXXX XX/XX/XXXX, which I was never notified about ), my only option was a general forbearanceone that is capped at 36 months for the life of the loan. This situation feels extremely unfair, as I was not given proper notice about the SAVE plan application window and was misled by the automated messaging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-20 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: IN

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$210.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  CRE 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 2025-03-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief