vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I have been communicating XXXX regarding my loan prior to XX/XX/XXXX XXXX XXXX, XXXX. A representative disclosed to me today that my loan account was charged off on XX/XX/XXXX due to XXXX  months of non payment. 
The representative XXXX told me that my loan has been charged off since XX/XX/XXXX because 3 months starting XXXX XXXX XX/XX/XXXX they received no payments from my employer which is inaccurate. 

The reporting of this account is inaccurate and violates my consumer rights to fair accurate reporting under FCRA XXXX. 
It also goes against the Fair Credit Billing Act I have made payments consistently through financial allotments from my employer and I have questioned XXXX several times regarding the accuracy of my account balance and reporting of my account. 

I have tried to resolve this issue with XXXX diplomatically and yesterday XX/XX/XXXX a representative from your office has brought it to my attention that funds of over {$2700.00} were in the bank and I needed to contact XXXX to release the funds to XXXX. 
He texted me the number to call XXXX and they wired over the sum of {$2700.00} to XXXX XX/XX/XXXX. I was never told that my account was charged off or late during this time as well. I was told that my account was current and they did not report me as late to the credit bureaus. 

I was never notified in writing or via email or even verbally that my account was delinquent and now my I am being told that it has been over a year and my account was charged off in XXXX but never reported as such. 

Not only has XXXX been stealing my money they received a transfer from the bank yesterday XX/XX/XXXX is the sum of {$2.00}, XXXX that the bank has been collecting for the allotments. This is not being reported to me or the credit bureaus as well. 

I was told that my account is eligible for a refinance of {$10000.00} after XXXX more payment is made yesterday when I spoke to a representative. 

There is clearly a communication issue with XXXX as well as unlawful conduct fraudulent practices and billing misconduct by XXXX and the staff in their office. The account has been reporting as current even after the alleged charge off date of XX/XX/XXXX. I have attached the reporting scale below.

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 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A fraudulent account is reporting on my credit report, the account that is reporting does not belong to me.

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 2025-03-07 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for failing to remove fraudulent accounts from my consumer credit report, despite my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These accounts were fraudulently opened without my knowledge or authorization. 

Fraudulent Accounts in Dispute : XXXX  XXXX ( Credit Card Account ) Opened on XX/XX/XXXX XXXX XXXX XXXX ( Auto Loan Account ) Opened on XX/XX/XXXX XXXX  ( Credit Card Account ) Opened on XX/XX/XXXX XXXX XXXX  ( Credit Card Account ) Opened on XX/XX/XXXX Violations by TransUnion : Failure to Block Fraudulent Accounts ( FCRA 605B [ 15 U.S.C. 1681c-2 ] ) TransUnion must block fraudulent accounts within XXXX business days upon receipt of an identity theft report. Despite providing proper documentation, they have failed to do so.

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 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP
State: NC

Complaint narrative:
My mortgage company here in XXXX, XXXX XXXX is US Bank. After XXXX XXXX hit on XX/XX/XXXX and had a major impact on our community in so many ways, I applied for a XXXX month deferment of mortgage payments due to loss of income. 
I had already paid XXXX 's mortgage and was requesting a deferment for the months of XXXX, XXXX and XXXX. My hope was to have the deferred months added on to the length of the loan and to resume normal monthly payments in XXXX. 
I filled out the necessary information, explained my XXXX sources of self employment, explained in great detail the loss of oncome during this time, provided bank statements from my checking account, and submitted our 2023 tax returns as requested. 
I also had to resubmit the same information to US Bank more then once because, depending who I spoke to on the phone ( and given different and contradictory information every time ), agents would say that they had never received the information that was requested. And the only information that I received in the mail pertained to the amount of money I owed them, or ways to avoid foreclosure, etc. 
It was and is sadly and extremely evident to me that they had absolutely no intent on helping me whatsoever. They only seek to help themselves. And up until this point I had never ever missed a payment or been delinquent in anyway. I was just simply wanting assistance because of this major natural disaster. 
Yesterday I received another letter in the mail from XXXX stating that my request for assistance has been denied due to an " Incomplete Application. '' This is new news to me, had not been honestly brought to my intention, and it's just more of the same from an institution that is not in the business of doing right by the people who have been loyal to them.

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 2025-03-07 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my XXXX score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I am a XXXX veteran, and I am filing this complaint due to harassment and unfair debt collection practices by ProCollect, which is attempting to collect a debt related to an apartment lease at XXXX XXXX XXXX. 

Date of Incident : XX/XX/year> XX/XX/year> Debt Amount in Question : {$7600.00} Original Creditor : XXXX XXXXXXXX XXXX  What Happened : Unfair Debt Collection Practices & Harassment : ProCollect has engaged in continuous and aggressive collection calls, causing me severe emotional and financial distress. 

Despite my attempts to communicate my financial hardship and XXXX veteran status, the agency continues to harass me and demand full payment. 

I have requested verification of the debt under the Fair Debt Collection Practices Act ( FDCPA ), but I have not received adequate documentation proving the accuracy of the amount they are demanding. 

Incorrect or Excessive Debt Amount : I only resided in the apartment from XX/XX/year> to XX/XX/year> ( XXXX month ), yet I am being charged {$7600.00}, which is unreasonable and does not reflect the actual amount owed. 
The collection agency has not provided a breakdown of the charges or proof that the debt is valid. 

Financial Hardship & XXXX Veteran Protections Ignored : I have informed ProCollect that I am a XXXX veteran, protected under XXXX Orders and Treasury hardship guidelines, but they refuse to acknowledge my status or provide relief options. 

I have requested a debt reduction, waiver, or payment plan, but the agency has refused to work with me and continues harassment despite my clear hardship. 

Actions I Have Taken : I contacted ProCollect and requested a detailed debt validation letter, but they have failed to provide it. 

I attempted to dispute the charges with XXXX XXXX XXXX but they did not resolve the issue. 

I requested hardship consideration due to my XXXX veteran status, but my request was ignored.

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 2025-03-07 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: NC

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CT

Complaint narrative:
I can not contact Mohela. Wait time is over XXXX hours. I am unable to do anything online. This is completely unacceptable. I believe the save plan i am on is up and I can not move forward. I believe they want me to pay something I can not afford and I can not reach anyone. The website says I do not owe anything currently, but I received a letter stating I would. In the past when I did get in contact with them, I got information I believe to be incorrect and they convinced me to get into this XXXX plan and now here I am screwed. How can this company be so incompetent for so long and nothing be done about it? Also, when you call the number ; you can not key any of the options from the menu ; it just does not work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-07 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: DE

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-03-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: FL

Complaint narrative:
I am in a dept resolution program with JG Wentworth since XX/XX/XXXX. They settled with 4 creditors. Since the agreed settlement JG Wentworth made monthly payments to the creditors. 2 creditors have been paid in full. I have three payments left on the other two creditors and they would be paid in full. I was informed XX/XX/XXXX that XXXX  and XXXX  backed out of the agreed settlement indicating lacking funding. I can show JG Wentworth paid into the settlements each month with no missing payments. The only change that occurred was changing my payment schedule to reflect every other Friday vs the XXXX and XXXX in XX/XX/XXXX. The reason for the change was my employer changed our pay schedule from twice a month to every other Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Account charged with interest. Have not used this credit card. and account closed. 

Have notified them this FRAUD Now turning me over to collections. If I do not pay {$41.00} dollars Do Not know what the charge is for. Have made numerous phone calls and No one knows what the amount is for. plus interest

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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: HI

Complaint narrative:
On XX/XX/XXXX, I allowed a family member to make an online purchase using my Chime debit card. Later that day, I noticed the item was more expensive than expected. I asked my family member to contact the seller regarding canceling the order. On XX/XX/XXXX, my family member informed me that the seller said the payment was still pending and suggested contacting the bank. 

I verified that my family member had contacted the seller, then froze my Chime card as a precaution. Later, I unlocked my account and allowed my family member to use my phone to message Chime about the situation while I was present. However, I do not know exactly what my family member said to Chime or if they may have inadvertently said something that led to my account being closed. Regardless, my family member is not the account holder and should not have had the authority to request an account closure. 

A few hours later, I received XXXX emails stating that my Chime accounts were closed. When I called Chime for clarification, the representative confirmed the accounts were closed but refused to provide a reason, stating that it was due to policy violations. When I asked what policy was violated, they refused to specify, citing privacy reasons. I also asked why I was not given any prior notice before my account was closed, but they refused to answer. 

I requested to speak with another representative who might have more information, but the agent refused, stating that they will just say the same thing. When I insisted on being transferred, the agent ended the call. 

Later that day, I called again to request a copy of the policy and user agreement. The agent told me the information was available online. I informed them that I do not have internet access at home and can not use my work computer for personal matters. The agent repeatedly placed me on hold and continued to tell me the information was online. Eventually, the call was disconnected by the agent while I was on hold. When I called back, another agent claimed the disconnection was due to a bad connection and then disconnected yet again. 

Additionally, Chime informed me that my remaining account balance would be sent via a check in the mail. I requested access to my account to initiate a transfer of my funds instead, as I can not wait for a check, but they refused to allow this. 

Chimes handling of this situation has been unacceptable. They closed my account without prior warning, refused to provide a reason, denied my request for policy documentation in a format I could access, and restricted my ability to access my own funds in a timely manner. If Chime closed my account based on a request from someone who is not the account holder, this would be a major error on their part. Their customer service was dismissive, unhelpful, and repeatedly disconnected the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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