vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: WA

Complaint narrative:
On XXXX XXXX2024 I was in an emergency situation with a pet at the vet hospital in the middle of the night, I applied online with a company called XXXX XXXX XXXX and was unable to complete my application due to the low battery on my phone. Next I received a phone call saying I was approved for an {$800.00} loan with an " affiliate lender Birch Lending ''. I learned the loan agreement was approx 22 pages and would be emailed to me which I did not physically sign. I was told the interest on the loan was 6 % and that I could make whatever payments I was comfortable with. Due to all the stress of our original circumstances ; at the time, I agreed to {$100.00} per month payments. Since then, I realized that they have been taking weekly withdrawals from my bank rather than monthly. Aside from that once I logged in to their website to try to address resolving this now that I see that I have already paid off the {$800.00} in full and in a very short amount of time. I read that I was in good standing with the company regarding payments. I am now able to see the loan agreement posted with an interest rate of 653 % so of course I wanted to speak to someone about this situation and was referred to calling the next business day. When I called the phone rep was very abrupt/kept talking over me, refused to let me speak with a supervisor. I requested that the auto payments be discontinued and that someone else call me to discuss the remaining pieces and the process to resolve and finalize this. I was then called the next day by the same agent as the 1st call and was told that I was not able to speak to anyone in a supervisory role, that They are now offering me a counter offer to pay off the {$4000.00} - I was told that if I were to pay an additional {$740.00} within 1 week they would close the account. I told her that was insane, I should not have to pay anything else at all. I explained that I was stopping all future payments with the bank and filing complaints for them being a predatory lender. I do not take getting help for granted and I believe it is important to make right what I owe or agree to. I never would have agreed to any loan with a 653 % interest had I known. I never signed any contract with this company it was an online app and customer service over the phone. This company has an F rating with the XXXX  they are also using a different business name Tolovanna Financial DBA rather than Birch Lending. I will provide additional information regarding bank statements and proof if requested. The link XXXX for XXXX  has pages of complaints regarding this company and similar issues happening to several consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I was in my dentist office and I had a procedure. They say that they have a payment plan. They asked me some information and asked me if I could make the payment. I told them yes and they opened a XXXX XXXX XXXX credit card with Comenity. I set up auto pay and have paid on time and then on XX/XX/XXXX was notified by my credit report that {$800.00} interest rate charge was added to my credit card. 
When I called XXXX XXXX  credit card they stated that it was the dentist office fault for not telling me about the promotional. And that they stated it on the statement, but it never stated that they would charge me a deferred interest for the full balance. There is only {$800.00} left on my balance and then they charge me {$800.00} interest. 
I called and tried to dispute it with them, but they said there was nothing they can do so I was left to just close my account. The promotional rates were never explained, but even more insane to differ interest without explaining. I feel like this promotional plan is a scam and they are constantly getting bad reports and reviews due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: OK

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-30 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: TX

Complaint narrative:
I requested for my information to be updated via email provided by customer service of TransUnion LLC. I advised this company that I have no knowledge of any account reported on my profile that is addressed to someone other than myself. I will include the email I submitted : Per the forwarded request : TransUnion LLC XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX I am submitting documentation proving my name is XXXX XXXX XXXX to update and have my personal information corrected on my file with your company. 
I am submitting my Social security card. 
I will also be submitting my utility bill and a lease agreement addendum that proves my request for an update on my address is valid. 
I do not wish to have any other number on my report other than XXXX XXXX XXXX update my phone number. 
Update XXXX address XXXX XXXX XXXX I do not want any employer listed at all please remove all past employer information. 
My correct Birthdate is XXXX XXXX XXXX  please update. 
Please remove all addresses off of my account as they are not deliverable to me by US post office and they are not reportable as per FCRA since they are inaccurate.

Also any account reporting inaccurate information on my account not reflecting this information provided including my submitted documents I am requesting to be removed from my account with your company per FCRA 15 USC 1681. 
I am requesting XXXX XXXX XXXX XXXX account number XXXX XXXX  This information reported is a violation of the FCRA and the information reported does not match what I am updating. This needs to be 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 non-monetary relief
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/XXXX, my checking and son 's savings and checking accounts were force closed due to him falling victim to a scam. We were assured a check with the remaining amount my son had in his checking would be cut and sent within a few business days, which was fine because we had some time before his insurance payment was due. It has now been XXXX, almost XXXX  days with no sign of any check. He called today and was NOW quoted 45 days!!! That won't work as he has a car insurance payment to make. He needs the remaining funds within the next 7 days, or it will have a horrible domino effect on his life and ours. He has school and a job to get to.

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 2025-01-30 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: NV

Complaint narrative:
XXXX XXXX Email : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject XXXX XXXX XXXX XXXX  XXXX XXXX Notice XXXX XXXX XXXX Account Dear XXXX XXXX Department XXXX XXXX am writing to formally dispute and report fraudulent activity regarding an account listed on my credit report under XXXX XXXX XXXXXXXX XXXX The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX  Account Opened : XX/XX/XXXX Balance : {$240.00} Account Status : Open Remarks : Dispute resolved; customer disagrees This account is inaccurately reported, and I am requesting an immediate investigation and removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My dispute is based on the following : 1. The account is inaccurately reported as " Open '' when it should not be listed as such.

2. This account was fraudulently opened or inaccurately assigned to me without my authorization. 


XXXX. XXXX XXXX XXXX has failed to provide proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 


XXXX. XXXX XXXX XXXX response to my dispute with the Consumer Financial Protection Bureau ( CFPB ) did not provide sufficient validation of the debt. 


5. The company has already agreed to cease communication, which indicates that the debt may not be legally enforceable.

Additionally, please be advised that this matter is currently under litigation, and continued reporting of this disputed debt may constitute a violation of my consumer rights. Any further reporting of inaccurate or fraudulent information may be grounds for legal action under the FCRA and FDCPA. 

I have attached supporting documents, including my formal dispute with XXXX XXXX XXXX and their response to the CFPB complaint, for your review. In accordance with the FCRA, please conduct a reinvestigation and delete or correct this fraudulent information within 30 days. 

If XXXX continues to report this account, please provide me with a detailed explanation of the verification process used, including the name and contact information of the party who verified the account. 

Please confirm receipt of this dispute and notify me in writing of any updates regarding my request. 

Sincerely, XXXX XXXX Email : XXXX Attachments : 1. Copy of credit report entry 2. CFPB complaint and response from XXXX XXXX XXXX XXXX. Any additional supporting documents

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 2025-01-30 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: NV

Complaint narrative:
XXXX XXXX Email : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Fraud Dispute & Litigation Notice XXXX XXXX XXXX Account Dear XXXX Fraud Department , I am writing to formally dispute and report fraudulent activity regarding an account listed on my credit report under XXXX XXXX XXXXXXXX XXXX The details of the disputed account are as follows : Creditor Name : Portfolio Recovery Associates Account Opened : XX/XX/XXXX Balance : {$240.00} Account Status : Open Remarks : Dispute resolved; customer disagrees This account is inaccurately reported, and I am requesting an immediate investigation and removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My dispute is based on the following : 1. The account is inaccurately reported as " Open '' when it should not be listed as such.

2. This account was fraudulently opened or inaccurately assigned to me without my authorization. 


XXXX. XXXX XXXX XXXX has failed to provide proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 


XXXX. XXXX XXXX XXXX response to my dispute with the Consumer Financial Protection Bureau ( CFPB ) did not provide sufficient validation of the debt. 


5. The company has already agreed to cease communication, which indicates that the debt may not be legally enforceable.

Additionally, please be advised that this matter is currently under litigation, and continued reporting of this disputed debt may constitute a violation of my consumer rights. Any further reporting of inaccurate or fraudulent information may be grounds for legal action under the FCRA and FDCPA. 

I have attached supporting documents, including my formal dispute with XXXX XXXX XXXX and their response to the CFPB complaint, for your review. In accordance with the FCRA, please conduct a reinvestigation and delete or correct this fraudulent information within 30 days. 

If XXXX continues to report this account, please provide me with a detailed explanation of the verification process used, including the name and contact information of the party who verified the account. 

Please confirm receipt of this dispute and notify me in writing of any updates regarding my request. 

Sincerely, XXXX XXXX Email : XXXX Attachments : 1. Copy of credit report entry 2. CFPB complaint and response from XXXX XXXX XXXX XXXX. Any additional supporting documents

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 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: MI

Complaint narrative:
Credit Management Company engaged in harassing collection practice attempting to collect a debt. I was called 8 times within 7 days of each other. The first phone number used was XXXX to call me on XX/XX/year> at XXXX, XXXX and a third time in a row at XXXX. On XX/XX/year> Credit Management Company attempted contact from XXXX XXXX followed again immediately at XXXX, then they called from XXXX at XXXX and again at XXXX which caused me to panic and leave my desk to call them back and see what the emergency was. XXXX! back to back to back to back to back calls which made me fear something had happened to my elderly parent. This tactic is unethical in my opinion. This tactic is to try and get people to answer the phone in fear also violated the 7 in 7 rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
I FOUND OUT THAT I WAS A DATA BREACH VICTIM, MOREOVER FOUND OUT SEVERAL ACCOUNT THAT I DO NOT RECOGNIZE .I ASK FOR DELETION OF THOSE ACCOUNTS.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I FOUND OUT THAT I WAS A DATA BREACH VICTIM, MOREOVER FOUND OUT SEVERAL ACCOUNT THAT I DO NOT RECOGNIZE .I ASK FOR DELETION OF THOSE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I hope this letter finds you well. I am writing to provide a clear explanation regarding a recent late payment reflected on my credit report. My intention is to clarify the sequence of events that led to this issue, which does not accurately represent my usual payment habits. 

Several days before my payment due date, I attempted to make the required payment through the standard online portal. During this process, I encountered unexpected technical difficulties. Specifically, the system repeatedly displayed error messages and would not accept my payment, even though I verified that my banking information was correct and that sufficient funds were available. 

Concerned about resolving the matter promptly, I made multiple attempts on subsequent days to complete the payment via both the website and a mobile application. Unfortunately, these efforts failed for the same technical reasons, and I was unable to process the transaction in a timely manner. I also reached out to customer service for guidance, but the delays continued due to the ongoing technical glitch. 

By the time the issue was finally resolved, the payment posted past the due date, causing a negative mark on my credit record. I want to stress that this late payment does not reflect my typical financial responsibility. I consistently pay my balances on or before the due date and have maintained a positive history of meeting my obligations. This isolated event resulted solely from technical issues beyond my control, despite my diligent efforts to remedy the situation as quickly as possible. 

Thank you for reviewing this explanation. I appreciate your understanding of the circumstances and your assistance in correcting or removing the late payment entry, which I believe inaccurately represents my normal creditworthiness. If any additional information or documentation is required, I am prepared to provide it. I value my relationship with your organization and hope we can reach a fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: WI

Complaint narrative:
I am filing this complaint regarding ongoing inaccuracies, misleading information, and unlawful reporting practices on my credit reports. Despite my repeated attempts to dispute these issues through the proper channels, the credit bureaus and furnishers continue to act in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX Compliance Standards. 

The following issues persist : XXXX XXXX XXXX : Reporting as Charge-Off ( CO ) indefinitely, preventing the statute of limitations from starting. 
XXXX XXXX : Reported without my permission or proper authorization, violating FCRA rules requiring permissible purpose. 
XXXX XXXX : Duplicate entries across credit bureaus, harming my XXXX XXXX unfairly. 
XXXX XXXX XXXX : Reported without validation of the debt or written consent to report it. 
XXXX XXXX Solutions : Reporting inconsistently across the credit bureaus, violating accuracy and XXXX XXXX compliance. 

Additionally, the XXXX system has been used to unlawfully verify these inaccuracies without proper investigation. Despite my cease-and-desist letters and prior disputes, these items remain on my reports unlawfully. 

I am requesting the CFPB to enforce compliance with the FCRA, XXXX XXXX guidelines, and consumer protection laws. I ask for a full investigation and resolution of these issues, as they have negatively impacted my financial standing.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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