vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I recently reviewed my credit report and discovered a medical collection account from XXXX XXXX XXXX XXXX XXXX for {$1400.00}, which I do not recognize. I have never received any medical services or billing related to this debt. 

I was never notified of any outstanding balance, nor did I authorize this account. This appears to be incorrectly reported or may be a case of mistaken identity. 

Actions Taken : I have not received any prior communication about this debt. 
I attempted to verify its legitimacy but found no records related to it. 
I am disputing this account as inaccurate and unverifiable. 
Requested Resolution : Provide full validation of this debt, including itemized statements and proof of responsibility. 
Explain the method of verification used to confirm this accounts accuracy. 
Remove this account from my credit report if it can not be properly verified. 
Under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation and expect a response within XXXX days. 

Thank you for addressing this issue promptly.

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 2025-03-19 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: FL

Complaint narrative:
I recently reviewed my credit report and discovered a medical collection account from XXXX XXXX XXXX XXXX XXXX for {$1400.00}, which I do not recognize. I have never received any medical services or billing related to this debt. 

I was never notified of any outstanding balance, nor did I authorize this account. This appears to be incorrectly reported or may be a case of mistaken identity. 

Actions Taken : I have not received any prior communication about this debt. 
I attempted to verify its legitimacy but found no records related to it. 
I am disputing this account as inaccurate and unverifiable. 
Requested Resolution : Provide full validation of this debt, including itemized statements and proof of responsibility. 
Explain the method of verification used to confirm this accounts accuracy. 
Remove this account from my credit report if it can not be properly verified. 
Under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation and expect a response within XXXX days. 

Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony, guitar center credit card. 

A complaint was allegedly filed, but the customer service claimed I can not receive any correspondence, and claimed I can't do anything to dispute besides contacting XXXX. However, XXXX is correct in their reporting, their conclusions are not based on trends or objective information. 

XXXX, XXXX, XXXX  my credit limit was decreased to XXXX XXXX, XXXX, XXXX, my credit limit was decreased to XXXX. 

From procurement of the card, to this date, my credit score has gone up. My credit usage has gone down, and in the past several months I have paid off about XXXX in credit cards. Everything has been improved in my credit score.

I received letters claiming issues with credit usage and too high of balances on other cards. As I said, these claims are false. They have only improved since applying for the card, and definitely improved between XX/XX/XXXX and XX/XX/XXXX. 

Both decreases occurred at or around me paying my Synchrony card down by between XXXX. 

No other credit card limit has decreased in the mean time.

Now, my credit score is impacted, and shows that my usage is down, despite nothing having changed for the worse besides this faulty decision.

Synchrony said I can not do anything besides apply for an increase, which would further impact my credit score.

Considering trends in my credit usage and credit score, the limit should have been left alone or increased, not decreased suddenly at the time of me nearly paying it off. Both decreases coincided with my making large payments, with new limits coincidentally aligning with the balance that I paid down to at that time. 

Additionally, it claimed I had too many inquiries. Those inquiries into credit were through " pay in XXXX payment '' options with PayPal. PayPal claimed it wouldn't affect my credit score, but clearly it's impacted it somehow.

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 2025-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently checked my credit report and noticed that there is some information that does not belong to me. There is an installment account opened with OPORTURN/PATHWARD that i never opened ( Account number XXXX, this number was provided by XXXX ) also there is a former address XXXX XXXX XXXX XXXX XXXX FL XXXX and a name XXXX XXXX XXXX which not my name. I started a dispute with XXXX and XXXX for this wrong information be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
Prosper Inc. their system switched my minimum payment to full at some point even though that is categorically NOT what I ever set up and never would and they took {$1500.00} they are not entitled to, they will not reverse or refund this transaction and insist on an internal investigation which will certainly only show the current state of the system and not the fact that I set it up for minimum payment which will allow them to keep the money and leave me {$1500.00} worse off. Additionally the app currently shows NO autopay so their systems clearly arent reliable.

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 2025-03-18 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: IL

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 2025-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clear Recovery, Inc.
State: NE

Complaint narrative:
I was not aware that my payment had been misapplied until XX/XX/XXXX that was made on XX/XX/XXXX since it had cleared my bank and no further communication was received. Because the payment was misapplied to debts that did not belong to me I was unable to schedule a XXXX XXXX XXXX I called the business to find out why my payment had not been applied to my debt and was told that it was applied to other debts. I had no other outstanding debt XXXX XXXX XXXX XXXX XXXX  that I had overlooked. The {$370.00} payment for my XXXX XXXX  was charged to my CC and they applied it to debts that were not mine filed under a different name. Their explanation was that I had to let them know those debts were not mine even though they were not under my name and I had received no notification concerning the debt. They also said that even if done in error they could not change it since it had been so long. Currently they have applied {$300.00} of my payment to debt that doesn't belong to me and only {$28.00} to my debt. They refuse to take any action on their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: Block, Inc.
State: TX

Complaint narrative:
This is about my cash app account. On several instances I wrote to cash app about an XXXX fee where the XXXX driver took a bigger tip from my account then what I had provided. I complained to XXXX and they sided with me but stated that I had to follow up with cash app and I put in a alert for that one transaction and they did not approve my refund. I think all in all it was {$46.00} the driver had tip themselves {$15.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MO

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXrland, TX 75044 469-686-XXXX XXXX XX/XX/XXXX Texas Department of Banking Consumer Assistance Activities XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX Toll-Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX Website XXXX XXXX XXXX XXXX  Subject : Complaint Against Bank of America for Failure to Investigate Forged Checks Dear Consumer Assistance Specialist, Forged checks were endorsed and cashed at Bank of America, and despite my report , the bank has refused to conduct a fraud investigation. The checks in question were made payable to me, but my ex-husband forged my signature, endorsed, and cashed them without my authorization. When I contacted Bank of America to report this fraud, their representative stated that because my ex-husband was a joint account holder, they would not investigate, claiming he had access to the funds. 

Details of the Complaint : Date I Reported the Fraud : XX/XX/XXXX Banks Response : The bank agent refused to initiate a fraud investigation, stating that my ex-husbands status as a joint account holder allowed him to cash the checks, despite the forged endorsements. 
Checks Forged, Endorsed, and Cashed : Check # 1 : {$1600.00} Cashed on XX/XX/XXXX Check # 2 : {$13000.00} Cashed on XX/XX/XXXX Check # 3 : {$890.00} Cashed on XX/XX/XXXX These checks were made payable to me alone, and my ex-husband had no legal authorization to endorse or cash them. Forgery is a criminal offense under Texas Penal Code 32.21, and Bank of America is responsible under the Uniform Commercial Code ( UCC 3-403 ) for ensuring that checks are properly endorsed before being cashed. By refusing to investigate, the bank is failing in its duty to prevent and address fraudulent transactions. 

Desired Resolution : 1. A full fraud investigation into the forged, endorsed, and cashed checks.

2. Accountability from Bank of America for failing to follow fraud prevention procedures.

3. Guidance on how to recover the stolen funds, as the bank has refused to take action.

I request that the Texas Department of Banking review this complaint and take appropriate action to ensure that my case is properly investigated. I am prepared to provide copies of the checks and any additional documentation upon request. 

Please confirm receipt of this complaint and advise on the next steps. Thank you for your time and assistance. 

Sincerely, 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 explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

3. Validate Account XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

4. The following is an invalid late payment XXXX XXXX BANK XXXX Account Number : XXXX Please remove late payments and update account 5. The following is an invalid late payment XXXX  XXXX XXXX Account Number : XXXX Please remove late payments and update account 6. The following is an invalid late payment XXXX Account Number : XXXX Please remove late payments and update 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 non-monetary relief
Consumer complaint received 2025-03-18 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: TX

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 2025-03-18 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WY

Complaint narrative:
On XX/XX/year> at XXXX I received a text message about a debt from XXXX XXXX XXXX XXXX and the number to call. I called XXXX at XXXX, and spoke to an operator. I verified my personal information and told her that I do not owe this debt and needed signed contracts and proof of services. The operator also did not disclose that this was a collection agency until minutes into the phone call, which I feel violates that FDCA. She was confused so I asked for a supervisor. I was transferred to " XXXX. '' XXXX told me they would validate the debt on the " next run. '' When pressed for specific information such as a signed contract and proof of service, XXXX kept trying to give me a phone number for " consumer affairs. '' I do not want to call another number, nor should I when the number i received was the one I called. XXXX refused a manager higher than her. When asked if she ran the company her response was " no one else is available to speak to you. '' This was a very frustrating phone call. I was placed on hold many times for XXXX to reach the " consumer affairs '' department and I offered to hold all day. XXXX ended the call. When I called back in at XXXX I was transferred directly to " consumer affairs '' in which I was told that getting this information could take up to XXXX days total which is unacceptable. This debt is not my debt.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: NY

Complaint narrative:
While trying to transfer money to my bank XXXX  times I never get a response. Extremely difficult to get thru to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation