vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
noticed multiple credit inquiries on my credit report that I did not authorize or recognize. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries are only allowed with my explicit consent, usually in connection with a credit application I personally submitted. I have not applied for credit with these companies, and I never gave permission for them to access my credit report. 

These inquiries are negatively impacting my credit score and were added without my knowledge or approval. I contacted the credit bureaus and the companies responsible for these inquiries, but the issue remains unresolved. Im requesting that these inquiries be investigated and removed, as they violate my rights under the FCRA ( 15 U.S. Code 1681b ). 

I would appreciate your assistance in helping ensure that my credit report remains accurate and only reflects authorized activity.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion failed to investigate or respond to dispute within 30 days. On or around two weeks ago, I submitted a written Method of Verification letter to TransUnion requesting validation of the following accounts : 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 

I included all of the necessary documents including my full name, Social Security Number, date of birth, address, copy of my government issued ID, and proof of address. As of today, I have not received ANY written update, investigate results, or confirmation that the accounts were reviewed. TransUnion has violated the Fair Credit Reporting Act ( FCRA ), which requires disputes to be investigated and responded to within 30 days of receipt. I followed up with a second letter to demand compliance and have yet to receive an appropriate response. These accounts remain on my report without proper verification.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My name is XXXX XXXX. I applied for a credit card and bank account with CAPITAL ONE BANK. They denied me saying that I have a past due account ( s ) which were used during an identity theft incident. XXXX was over 10 years ago and according to them my accounts are still active. 
I would like to.get then erased because it is pass the statute of limitation.

I tried sever times to contact the different departments with no resolution.

I would like a thorough investigation and deletion of any accounts with my name.

Please send me a copy of the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB Officer, I am filing this complaint against XXXX XXXX XXXX and/or the relevant credit reporting agencies for their failure to properly investigate and remove a fraudulent account that resulted from identity theft. 

Account in Dispute : Creditor : XXXX XXXX XXXX Account Number : XXXX Fraud Amount : {$3500.00} Dispite submitting a formal dispute and providing the required documentationincluding my FTC Identity Theft Report ( dated XX/XX/year> ) the account has not been removed from my credit report. I also never authorized any credit inquiry or application with XXXX XXXX XXXX. 


Legal Grounds : XXXX. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX : Requires credit bureaus to block fraudulent information within XXXX business days upon receiving : Proof of identity A valid Identity Theft Report A statement from the consumer A formal request for blocking XXXX. FCRA, XXXX XXXX. XXXX : Requires credit reporting agencies to conduct a reasonable reinvestigation and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. 

XXXX. FCRA XXXX and XXXX : Provide for civil liability in the event of willful or negligent noncompliance with the FCRA. 


Attached Documentation : FTC Identity Theft Report ( Report dated XX/XX/year> ) Government-issued ID Action Requested from CFPB : Investigate XXXX XXXX XXXX  and the credit bureaus involved for FCRA noncompliance Enforce permanent deletion of the fraudulent XXXX  XXXX account Ensure no future credit reporting or collection activity is associated with this account Provide written confirmation of resolution This unresolved identity theft has negatively impacted my credit and caused distress. I respectfully request that the CFPB step in to enforce compliance and hold the responsible parties accountable.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: FL

Complaint narrative:
I am submitting this complaint regarding the mishandling of my federal student loans by MOHELA, my current loan servicer. I applied for an Income-Driven Repayment ( IDR ) plan, including the SAVE plan, and have experienced unreasonable delays, inconsistent communication, and poor service throughout the process. 

Despite submitting the necessary documentation, I have not received timely updates or confirmation of approval. I have also received conflicting messages about my loan status and next steps, creating unnecessary confusion and anxiety. When I attempt to contact MOHELA directly, it is nearly impossible to speak with a real representative or get clear answers. 

I am deeply concerned that this lack of transparency and professionalism could negatively impact my repayment status, credit, or eligibility for forgiveness programs. I am requesting an immediate review of my IDR application and an investigation into MOHELAs servicing practices. 

Please advise on what further steps I can take to ensure my application is processed correctly and my borrower rights are protected. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filling to formally dispute and request investigation of the following accounts that appear on my credit report. I am concerned that some or all of these accounts may be inaccurate, outdated, or not associated with me. I request that each item listed below be thoroughly investigated and, if found inaccurate, removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00XXXX XXXX XXXX  XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1200.00} XXXX XXXX Balance {$6300.00} XXXX XXXX  XXXX Balance {$2400.00} XXXX XXXXXXXX XXXX XXXX {$140.00} XXXX XXXX XXXX Balance {$120.00} XXXX XXXXXXXX XXXX * * Balance Owed : {$85.00} XXXX XXXX XXXX * * Balance Owed : {$150.00} XXXX XXXX XXXX Balance {$84.00} XXXX XXXX XXXXXXXX XXXX {$61.00} XXXX XXXXXXXX XXXX XXXX {$73.00} XXXX XXXXXXXX XXXX XXXX {$84.00XXXX XXXX XXXXXXXX XXXX XXXX {$69.00} XXXX XXXXXXXX Balance {$79.00} XXXX XXXXXXXX XXXX Balance {$83.00} XXXX XXXXXXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX * * * Balance Owed : {$3200.00} XXXX XXXX XXXX * Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filling to formally dispute and request investigation of the following accounts that appear on my credit report. I am concerned that some or all of these accounts may be inaccurate, outdated, or not associated with me. I request that each item listed below be thoroughly investigated and, if found inaccurate, removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00XXXX XXXX XXXX  XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1200.00} XXXX XXXX Balance {$6300.00} XXXX XXXX  XXXX Balance {$2400.00} XXXX XXXXXXXX XXXX XXXX {$140.00} XXXX XXXX XXXX Balance {$120.00} XXXX XXXXXXXX XXXX * * Balance Owed : {$85.00} XXXX XXXX XXXX * * Balance Owed : {$150.00} XXXX XXXX XXXX Balance {$84.00} XXXX XXXX XXXXXXXX XXXX {$61.00} XXXX XXXXXXXX XXXX XXXX {$73.00} XXXX XXXXXXXX XXXX XXXX {$84.00XXXX XXXX XXXXXXXX XXXX XXXX {$69.00} XXXX XXXXXXXX Balance {$79.00} XXXX XXXXXXXX XXXX Balance {$83.00} XXXX XXXXXXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX * * * Balance Owed : {$3200.00} XXXX XXXX XXXX * Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance {$19000.00}

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This is not a duplicate report and this is not file by third-party or credit repair agency in accordance with the fair credit reporting at convergent. These accounts below has violated my rights according to 15 USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604 a section to it also states a consumer reporting agency agency can not furnish an account without my written instructions. 


Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Furthermore, please provide the following 1. The original contract with my signature on it 2. creditor information, ( name, address, and phone number of original merchant ) 3 The payment history and itemized billing associated with each account 4. Proof of ownership ( proof that the company trying to collect this debt has authorization to do so ) if you cant provide these four things, please delete these accounts from my credit report. Thanks.

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 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt acct # XXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. As you may not be aware, this claim is governed by an arbitration agreement which XXXX clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement. '' To date, no arbitration proceedings have been initiated. As a direct result of that this constitutes a material breach of the original agreement, which was acknowledged by all parties involved. 

As such, I assert that you have no legal right to continue collection efforts on this debt, please cease and desist 15 usc 1692c also remind you of the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 2016 ), which held that reporting a debt to credit reporting agencies constitutes a form of communication under the FDCPA. Any continued reporting of this alleged debt to credit bureaus without proper validation will be considered a violation of the FDCPA. 

Additionally, I understand that this alleged debt was likely purchased for pennies on the dollar. Given these circumstances, I am extending you an opportunity to resolve this matter amicably. Arbitration, as stipulated in the agreement, is not a trivial matter.

The cost of arbitration can be significant, and I believe it would be in your companys best interest to avoid the expense and time involved. Below is an itemized list of typical costs associated with arbitration : Filing Fees : The cost of filing for arbitration can range from {$200.00} to {$1500.00}, depending on the arbitration provider and the amount in dispute. Arbitrator Fees : These fees can range from {$500.00} to {$2500.00} per day, with multiple days of hearings often required. Legal Fees : Each party is responsible for their own legal costs, which can easily exceed {$5000.00} in many cases. Other Administrative Costs : This includes fees for document handling, hearings, and other necessary procedures, which can add up to an additional {$1000.00} {$3000.00}. As you can see, the total cost of arbitration could easily exceed {$10000.00}, not to mention the potential for additional legal expenses. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue swiftly. Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I purchased a mattress on XX/XX/XXXX for {$6200.00} with a promotion of {$300.00} dollars in rewards after activating rewards via a series of steps that only worked for XXXX of the cards for {$50.00} and I never received the other rewards. So I tried to cancel the order called an ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) before delivery on XXXX. The salesman XXXX, called and moved the delivery date from XXXX to the XXXX after I told hi I would come and chose another mattress. Mattress was delivered I have XXXX where my lower back hurts all day so I needed a comfortable mattress. Unfortunately the mattress I initially chose was very hard to maneuver in causing more pain so I went through the steps on returning the mattress while still making payments of $ 500 monthly. The second mattress cost {$3000.00} I paid XXXX XXXX over {$450000.00} for the new XXXX XXXX XXXXXXXX mattress and a Mattress civer that cost me {$140.00}. Since then I have contacted supervisors XXXX on XXXX and XXXX XXXX and XXXX and others since those dates. I also wrote the company address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In response the reduce the original debt from over {$4200.00} with late fees and interest added since my last payment of {$500.00} in XXXX of XXXX. Still sending me bills also have caused my credit score to drop and my interest on my bank accounts to be lowered. The last bill I have from them was sent last week stating I owe them {$2400.00} not true They owe me money. Please helo me correct this fraud as soon as possible as I stated this has dropped y credit score from XXXX to XXXX please help.While this incident took place I was XXXX XXXX XXXX from XXXX to XXXX hit the ground after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I WAS SICK WHEN I WENT INTO TO PURCHASE THAT IS WHY I TRIED TO CANCEL BEFORE THE MATTRESS MADE IT TO MY HOUSE. So I would like to be made whole my refund of {$300.00} and my credit score returned to XXXX. They are bullying sick people into paying for stuff they do not want or need.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint in regards to the Citibank secured credit card listed on my credit reports. The information is inaccurate : There are conflicting issues on the report. The high balance amounts are conflicting as well as the closed date for the account. I have requested that the bureau investigate and correct or remove this entry but it hasn't been done.

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 2025-05-05 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: CA

Complaint narrative:
I contacted Paypal on XX/XX/year>, through their chat service regarding a payment that went to XXXX XXXX XX/XX/year>. I stated that I have tried contacting the XXXX vendor multiple times by phone including leaving XXXX voicemails with the last being XXXX weeks ago. I stated I tried contacting the vendor through their website, but there was no way to leave a voicemail, and their online appointment scheduler was inoperable. I paid for a service and I can not use the service, because there is no way to schedule. I also stated that according to XXXX, this service is good for another month, XX/XX/year>. I purchased this for a specific event which is why I have been attempting to use the service I paid for, yet I can't get anyone to contact me back by phone to actually schedule an appointment. Seeing how the XXXX vendor is nonresponsive, I requested a refund. Paypal sent me a followup email to the XX/XX/XXXX chat the same day stating they would look into it. Today, I received an email from Paypal stating they do not have a solution to propose. I can not even locate this dispute in my current or closed disputes with Paypal. The problem is I paid for a service. The service provider is not allowing me to use the service. I requested a refund since I can not even get this XXXX vendor to answer their phone line, which is also an out-of-state, phone number that does not display until after the purchase has been made. This is really a ripoff. Customers are making a purchase for a specific service and there is no service after payment has been made, then the payment processing company refuses to process a refund. If I wanted to donate money, it wouldn't be to Paypal nor XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX XXXXre inaccurately reporting a balance on my auto loan account that has been paid off in full and it showed account closed. Despite having completed all payments and receiving confirmation of payoff, my credit report continues to show a balance due of {$1200.00}, which is negatively affecting my credit standing. 
I have attached proof of payment, and relevant account documentation. I request that this inaccurate information be corrected immediately and that my credit report reflects a {$0.00} balance on the account. 
XXXX XXXX : XXXX XXXX Account Number : XXXX Date of final payment : XX/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 explanation