vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
A big portion of my student loans were forgiven because of public service. XXXX XXXX and XXXX XXXX worth of debt is reporting on all of my credit reports and this needs to be removed immediately. I have reached out to the credit bureaus before. I am adding a copy of my PSLF forgiveness letter, SS, driver 's license and credit report. Once this has been removed this update me letting me know this has been updated.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
A big portion of my student loans were forgiven because of public service. XXXX XXXX and XXXX XXXX worth of debt is reporting on all of my credit reports and this needs to be removed immediately. I have reached out to the credit bureaus before. I am adding a copy of my PSLF forgiveness letter, SS, driver 's license and credit report. Once this has been removed this update me letting me know this has been updated.

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 card — General-purpose credit card or charge card
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: OK

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I moved out of XXXX XXXXXX/XX/XXXXbuilding in XXXX of 2024. I lived there for six months. Was forced to cut my lease short because they refused to reasonably accolade my XXXX XX/XX/XXXXwith a handicap accessible parking space ( she is fully wheelchair bound ). We were denied time and time again so we had to call it quits and find housing elsewhere. I received a statement in the mail of my new residence that I was owed XXXX. XXXX $ back from my security deposit. I received my first email saying that I owed a debt to the building to the tune of {$460.00} on XX/XX/XXXX24 fromXX/XX/XXXX I didnt think anything of it. I then starting getting calls and emails from arent collection agency named XX/XX/XXXXEach time they called me I told them that I didnt know what was going on and that I didnt owe this money. I was met with employees saying that I was a liar and that they have seen this trick before. My credit score then got hit on XX/XX/XXXX24 for XXXX points. I was told that it was my responsibility to fix this issue by the debt collectors themselves. They said that I needed to provide evidence in order to make it go away and if I chose to not work with them on the issue then good luck every renting again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank is refusing to release funds on a deposit hold, despite an explanation that it's been cleared and posted from my other account, and I need it for rent payment. 

My TD Bank account is new, so I understand that holds are put into place, but I didn't know it would take over 6 days. 

A check I had deposited on XX/XX/year>, was apparently placed on hold on XX/XX/year>, until XX/XX/year>, and the funds won't be available until XX/XX/year>. 

I called in twice to their customer support phone number, who talked to their claims hold department, who told me that they were putting in a request to release it. Never heard anything. 

I went to the branch today, XX/XX/year>, to see if I could get a resolution there, but nothing was offered to me.

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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Its 10 inquiries on my XXXX report please remove unauthorized transactions misleading information and denying access

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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Its 10 inquiries on my XXXX report please remove unauthorized transactions misleading information and denying access

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I was attempting to fix my credit and applied for a credit card through XXXX. They requested I deposit {$200.00} in the account. WHen I used the amount ( MY MONEY ) it turned into a negative, impacting my credit severely. Then Calvary SPVI, LLC took over this and have been sending me letters and calls and it is ridiculous. THis was my own money that I put in my credit card. Please help me resolve this mess. thanks

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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:
My information was used without my permission to open accounts as I stated in the attached dispute paperwork. I want these taken off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
My information was used without my permission to open accounts as I stated in the attached dispute paperwork. I want these taken off my credit.

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: TX

Complaint narrative:
I am writing to formally request the removal of an unjust rental account from my credit report. My notice of termination was approved with no penalty on XX/XX/XXXX, and I was granted the right to terminate my lease effective XX/XX/XXXX, without penalty, as documented and signed by XXXX XXXX with XXXX XXXX XXXX for the property located at XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 

The termination was necessary due to serious safety concerns, as the apartment complex was subject to XXXX XXXX under my apartment, which directly impacted my health and caused XXXX XXXX. Despite this, the rental account has been wrongfully reported on my credit, causing undue harm to my credit profile. 

I have submitted several dispute letters, yet the credit bureaus have failed to follow the Fair Credit Reporting Act ( FCRA ) guidelines by not properly investigating or correcting this error. I also provided supporting documentation proving that this rental account should never have been placed on my credit report. 

This matter is causing significant financial damage, and I am requesting immediate action to have this account removed from my credit report. I urge the CFPB to ensure the credit bureaus comply with FCRA regulations and properly investigate this issue. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am a Us Customer who is a Victim of a fraud /scam I Purchased a XXXX XXXX from a Seller from XXXX XXXX and we both complied and decided to send the money to PayPal as a proof of purchases.

I then had to talk to another person who was supposed to be agent of XXXX  and he didn't tell me about any of the fees that are involved in the shipment from XXXX to the US.

However i realized that i was scammed Out of {$1900.00} and i blocked all contact with them because they sounded like scammers, i did all the precautions even contacted the police and the Banking institutions and i would like to get my money back in full but they won't do it. 
am talking to paypal because they refused to reimburse the money that i have lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Subject : Request for Reinvestigation of Disputed Information Verification Beyond Original Creditor Dear [ CRA Name ], I am following up on my previous dispute regarding the inaccurate information listed on my credit report, specifically concerning [ insert account or tradeline details ]. While I understand that an investigation was conducted, I believe the results may not have fully addressed the issues at hand.

It appears that your investigation may have relied exclusively on information provided by the original creditor. Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a reinvestigation of the disputed information, ensuring that the process extends beyond the original creditors data and includes independent verification where applicable. I am requesting that this reinvestigation comply with FCRA Section 1681i ( a ) ( 6 ), which mandates a " reasonable reinvestigation '' of the disputed information and ensures that the investigation is thorough and complete. 
To facilitate this process and ensure transparency, I request the following : 1. Independent Verification : A thorough reinvestigation of the disputed information that includes verification from sources other than the original creditor, where applicable.

2. Updated Documentation : A detailed explanation of the steps taken during the reinvestigation and confirmation that all relevant information sources were considered.

3. Corrected Report : A copy of my updated credit report reflecting any changes resulting from your reinvestigation.

4. Investigator Contact Information : The name, title, and contact number of the individual or department responsible for handling this dispute and conducting the investigation, in accordance with FCRA Section 1681i ( a ) ( 4 ), which requires that you notify me of the results of the investigation, including any relevant contact details for further inquiries.

Please ensure that your reinvestigation is fully compliant with the requirements outlined in the FCRA, including a reasonable review of all relevant information, as specified in Section 1681i ( a ) ( 6 ). If the disputed information is found to be inaccurate, I request immediate correction to my credit report.

Should you fail to resolve this matter within 30 days, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal actions under the FCRA.

Thank you for your prompt and thorough attention to this matter. I look forward to your response.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I signed up for the XXXX dollar bonus from Bank of America. I got the credit card in XXXX. The deal is to spend aleast {$1000.00} in 90 days. I hit the limit offer in like 2 months which is less than the agreement so I qualified for it. I tried calling in XXXX to see when I was going to get the bonus. The said there was no sign of a bonus. I told them about the XXXX dollar bonus offer and they said the only thing that was on there was a 2.5 % cash back. No sign of my bonus. It is XXXX and i still have not recieved it.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: TX

Complaint narrative:
I recently noticed that my credit report contains incorrect personal information, which has led to unknown and inaccurate accounts being associated with me. As a victim of identity theft, my personal information was used fraudulently, resulting in these items appearing on my report despite having no connection to it. Following Equifax 's instructions, I filed an FTC report and submitted it along with supporting documentation. However, the fraudulent items still remain on my credit report, causing ongoing frustration and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, acquired Five Lakes Law Group to help with collections notices. I received from XXXX XXXX XXXX XXXX XXXX XXXX for a outstanding balance on a credit card with XXXX in the amount of {$24000.00}, XXXXXXXX XXXX for {$24000.00} and XXXX. Five Lakes Law Group charged me an exorbitant fee close to {$10000.00} of their services in settling these debts. From XX/XX/XXXX to XX/XX/XXXX I made payments in total of {$23000.00} to Five Lakes Law Group. I am still receiving collections notices from XXXXXXXX XXXX showing a balance of {$3900.00}, {$9200.00}, and {$17000.00}

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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than XXXX hours which shows first a real person did not investigate but instead an XXXX XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief