vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I am writing regarding the dispute of the account reported by XXXX XXXX XXXX XXXX, with account number * XXXX, corresponding to a balance of {$1100.00}. I have received notification that this account has been verified as accurate. However, after a thorough review, I continue to disagree with the validity of this account in my credit report and hereby request its removal based on the following reasons : Lack of Verifiable Documentation : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all reported information must be verifiable and accurate. I request specific documentary evidence supporting the legitimacy of this debt, including the original signed contract and detailed billing records. 
Possible Billing Error : I have not received any adequate notification or proof of the original debt from the original creditor, XXXX XXXX XXXX XXXXXXXX. I demand documentation that demonstrates the accuracy of the balance and confirms that I was properly notified of this obligation. 
Compliance with Collection Regulations : According to the Fair Debt Collection Practices Act ( FDCPA ), any collection agency must provide validation of the debt. If XXXX XXXX XXXX XXXX can not present sufficient and legitimate proof that this debt is valid and enforceable, it should be immediately removed from my credit report. 
Undue Impact on My Credit : This account significantly affects my credit history, limiting my access to financial opportunities. Since the account was previously disputed and only " updated '' without c

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 2025-05-28 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: NC

Complaint narrative:
A formal demand for the removal of closed accounts with late payment notations from my credit reports. The continued reporting of this information constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) and federal laws under 15 U.S.C. 1681, which govern the accuracy, fairness, and privacy of consumer information. The closed accounts in question, associated with Account Name : XXXX XXXXXXXX | Account Number:XXXX Account Name : XXXX | Account Number:XXXX Account Name : XXXX | Account Number:XXXX Account Name XXXX XXXX XXXX XXXX | Account Number:XXXX Please have these accounts removed 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 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
My name is XXXX XXXX. I am the founder and CEO of XXXX XXXX, XXXX. 

Following up on the recommendation of an associate of one of my partners, I paid a contractor XXXX XXXX XXXX in XXXX to build a backend for me. The Engineer, XXXXXXXX XXXX XXXXXXXX, didn't keep pace with the expectations of the work and didn't actually do much, we learned after he was let go. 

I filed an FBI report ( IC3 ) and amended a fraud report after XXXX XXXX entered our system through a back door on or about XX/XX/XXXX and damaged vital elements of our product. I have made at lease 2 calls each to my bank and PayPal about this matter. 

Paypal has refused to refund, or try to retrieve the money, insisting that it's my bank 's responsibility, but has declined to reach out to my bank. My bank ( XXXX XXXX ) says that they are willing to work with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-28 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: SC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Since XXXX XXXX  1924, I have been playing on a car and come to find out my car was repossessed because they said that my payments were not being directed to my loan lease, but I was paying through the mobile app and they claim they never received the payment, but I have bank statements proving that Ive paid payment one time every time since I had a vehicle

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: NC

Complaint narrative:
Today, I got a text message from Unifin that I have a balance of {$12000.00}. As far as I know, I do not have an account with that amount to pay. I have been getting these text messages for months, and despite repeatedly reporting the messages as junk to XXXX I keep on getting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: INDEPENDENCE HOME LOANS LLC
State: CO

Complaint narrative:
I called the company to get a copy of the appraisal. Nobody so far has returned my call or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Request for Deletion of Charged-Off Account Based on Issuance of IRS Form 1099-CDear Sir/Madam, I am writing to formally request the deletion of a charged-off account from my credit report that was issued to me as a result of a debt cancellation. I have received a 1099-C form from the creditor, indicating that the debt was canceled, and as such, the account should no longer appear on my credit report.Under the Internal Revenue Code ( IRC ) Section 108 ( e ) ( 2 ), when a debt is canceled, it is considered income for tax purposes but is no longer a liability for the debtor. As a result, the account should be marked as settled or deleted entirely from my credit report.Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 605 ( specifically Section 605 ( a ) ( 5 ) ), derogatory information such as charged-off accounts must be removed after seven years from the date of the first delinquency. Since the debt has been forgiven, and the 1099-C form has been issued, the account is no longer an active debt obligation and should be considered for deletion.Please find a copy of the IRS Form 1099-C attached for your reference. I request that you promptly update my credit report to reflect this change and remove any derogatory marks related to this charge-off account.If you require any further documentation or clarification, please let me know.Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this request.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480.

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Main Card Holder Deceased, but company is still actively trying to get payments.

They keep calling. I send in requested information, but they act like it has never been received.

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 2025-05-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Omega RMS, LLC
State: CA

Complaint narrative:
A debt collection company claims that the original institution, XXXX XXXX, sent a debt to them for collection. This issue is that I have never engaged in any business with XXXX XXXX, nor have I authorized anyone to act on my behalf with XXXX XXXX. I take pride in safeguarding my identity, credit, and finances from scammers and fraudulent entities posing as debt collection agencies. I reject all claims made in your letter dated XX/XX/year>, asserting any part of the total balance owed by me, XXXX XXXX. 

I am committed to paying my debts and maintaining an excellent payment history with all my creditors. I have never engaged in any business with XXXX XXXX, nor have I authorized anyone to act on my behalf with XXXX XXXX. Given that my information has been involved in multiple data breaches from telecommunication companies like XXXX XXXX XXXX  such as XXXX and XXXX XXXX XXXXXXXX , as well as medical facilities, and considering I have been a victim of identity theft. Please conduct a thorough investigation again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: KY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information currently being reported by TransUnion regarding an account listed under XXXX XXXX XXXX XXXX XXXX * * * *. This account has already been successfully removed from both XXXX XXXX XXXX, as it was determined to be either inaccurate or unverifiable under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ].

Despite the other two major credit bureaus reflecting the corrected and verified information, TransUnion continues to report the negative account, which is now inconsistent and misleading. According to the FCRA : A consumer reporting agency shall, upon completion of any reinvestigation... promptly delete that item of information from the file of the consumer if the information is found to be inaccurate or can no longer be verified. 

Since the same account has been removed from both XXXX XXXX XXXXXXXX, its continued reporting by TransUnion raises serious questions about data accuracy and parity both essential tenets under the FCRA. Credit reporting agencies are required to maintain accurate and consistent records, and the current reporting by TransUnion creates a material inconsistency in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
See complaint XXXX Have been trying to get Citibank to provide an update on the status of this claim BUT all I get is a run around, with incorrect phone numbers, incorrect departments and insincere apologies. 

I supplied them with a theft claim number which I received from XXXX  XXXX XXXX. It is XXXX. 

Please contact Citibank and have them stop with the stalling tactics and restore my stolen funds. 

Again see claim XXXXXXXX XXXX XXXX XXXXXXXX seems to be responsive but now they are blaming CitiBank for not completing their end of the dispute.

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 2025-05-28 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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
Consumer complaint received 2025-05-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: VA

Complaint narrative:
I am submitting this complaint against First Progress regarding a credit card account I never received, yet I am being charged both an annual fee and a late fee. Despite attempts to resolve the issue directly with their customer service, I have encountered uncooperative behavior, limited access to my account, and no clear resolution. Therefore I requested to close the account.

Here are the details : I was approved for a First Progress credit card but never received the physical card.

Because I have not received the card, I have been unable to activate it, log in online, or use the account in any way. Nevertheless, First Progress charged me an annual fee and subsequently a late fee for non-payment. 

I called their customer service and explained that I had no access to the account and therefore could not pay the annual fee so I should not be needing to pay a late fee. Instead of helping, I was given the runaround and told I would need to pay, despite not having any way to do so. 

They refused to close the account or waive the fees, even though I never received the card or had the ability to access or use the account. 

This feels like predatory and deceptive behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, XXXX  Experian Information Solutions , IncXXXX, DEFENDENT Case Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( Application for XXXX XXXX XXXX Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

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