vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-03-24 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX. XXXX XXXX XXXX {$560.00} Open Date XXXX XXXX, 2022

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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Stating the Facts I have had ID theft, and every time there was a fraudulent charge on my CC I let them know Charging me high interest and fees I also paid my accounts in full until 6 months ago, they closed my accounts on there own

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 2025-03-24 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: CA

Complaint narrative:
In your recent letter ( XXXX ), SynchronyBank wrote : " XXXX XX/XX/XXXX, you opened a dispute for the XX/XX/XXXX, charge of {$1200.00} described above ''. THAT'S A LIE because i began disputing this so-called " purchase '' since XX/XX/XXXX Not XXXX as you claim. 

On XXXX, SynchronyBank wrote : " ... a credit of {$9.00} posted as a merchandise return.... the credit was initiated by the PROVIDER ''. This is a Contradiction of your earlier explanation dated XXXX, stating : " In addition, a credit for {$9.00} was also applied to your balance ... as resolution for a billing dispute opened BY YOU ( XXXX ) on XX/XX/XXXX, in which you ( XXXX ) claimed you were overcharged by the merchant by {$9.00}, for the purchase in question ''. Why did you give this credit when THERE'S NO INVOICE/Charge of {$1200.00} by XXXX XXXX XXXX XXXX A credit i could never request since there was NO SUCH extra charge. YOU ARE LIARS and CRIMINALS, That's What You Are : LIARS and CRIMINALS. 

WHY IS SynchronyBank ISSUING ME A CREDIT BEYOND THE DISPUTE OF {$1200.00}?? This means your accounting, Statements and billing ARE FRAUDULENT and that's what i had been complaining about since XXXX. 

Also, contrary to SynchronyBank Statement that i PURCHASED something in XX/XX/XXXX, SynchronyBank has NO EVIDENCE for this {$30.00} PURCHASE dated XXXX. Why does SynchronyBank Statement XXXX state : PAYMENT OF AMOUNT IN DISPUTE {$1800.00} NOT REQUIRED, when {$1800.00} is something you Criminals Fabricated and LATER CANCELED. 

In the face of all these Fraudulent Statements by SynchronyBank, you will perish in your Obstinate Fraud because there's certainly no spirit of remorse or repentance in your evil spirit.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-03-24 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Due to hardship, I wasnt able to make payments on my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau, the document needed and a letter from an advocacy group helping me due to Human Trafficking 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 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 be blocked and deleted company information Transunion. Please delete the following 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

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to work with Midland Credit Management ( MCM ) via their online chat to resolve a debt in good faith. On XX/XX/XXXX, I requested validation of the debt, which I understand legally pauses collection efforts. However, I was not informed in advance that this would also terminate my ability to negotiate a payment plan. That information was never clearly disclosed, and it significantly impacted my ability to resolve the account. 

During the chat, I explained that I am experiencing severe financial hardship. I am a homemaker with no income, and my family has exhausted all of our emergency savings to pay for medical and legal expenses for my son, who was injured while serving in the XXXX. The military has denied responsibility for his injuries, leaving us financially overwhelmed. 

Despite explaining that I could not afford the {$660.00} down payment that was offered, and that I currently have less than {$90.00} to my name, the representative ended the conversation without offering reasonable alternatives, escalation to a supervisor, or any further options. 

Additionally, I informed them I could not access my account online due to repeated internal error messages. I am locked out of viewing the account or downloading documents. 

I have made every effort to work with them, and my goal is not to avoid the debt I want to resolve it in a way that is realistic and fair given my current situation. Instead, I was dismissed and left without any path forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
First, and foremost, I have a Fraud Alert on all of my credit cards, that has been in place at least 10 years or more, so I was surprised that on XXXX, I was notified of an unauthorized fraudulent charge. On that same day, I immediately called, my " Barclay 's Master Card '' ( through XXXX XXXX ), and let them that it was not me, on XXXX. 
Now, it's XX/XX/year>, and I am still dealing with the exact same fraudulent charge that is now collecting interest. 
I froze the credit card, and then a new credit card was created, and unfortunately, Master Card transferred that same FRAUDULENT CHARGE over to the newly created credit card.

Therefore, the same Dispute remains unresolved. In fact, each time that I call, I am unable to remove the false charge and resolve this on-going issue. I have contacted the Fraud SecuritXXXX, Billing Dispute, and Customer Service, all to no avail. It very much feels like I am dealing with a foreign Country because there are no English speaking Agents that are able to effectively communicate, nor does it appear that the Master Card Agents are understanding me. I am a target of a false/fraudulent charge that I want remove immediately. This is financial fraud and abuse and theft by this banking institution.

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 2025-03-24 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: MS

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Venmo froze my account and rent is due. Will be evicted tomorrow keep telling me XXXX days!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Credit report shows account closed. Delinquencies showing for 2021, which was due to credit counseling company advising not to make payments. Settlement amount is not shown.

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 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
My debt card was stolen and series of charges were rack up. Advised XXXX XXXX  id this and they are still saying I owe the money for the charges after reporting fraud. I dint understand why I am having to pay for someone elses doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
I was made aware that the taxes were not paid, the funds were secured during closing for the taxes. We are trying to get a loan with the XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX and they informed me the taxes were not paid. I reached out to Mortgage Solutions and told them what was going on, they asked me to send over the tax bill that I had, was told by a customer support supervisor named XXXX that he would get them paid, this was a month ago now. I have reached out several times to find out what was going on, I received an email today XX/XX/year> that the taxes were paid on XX/XX/year>, I called the XXXX XXXX XXXX and was told they had not received payment yet. I reached back out and was told the mail could take this long, the payment was sent from Colorado to Texas, it should not take over 10 days for the payment to arrive. I told them I wanted to receive an email receipt with payment confirmation and received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
They wouldn't let me bring back my device to be able to get the debt out of my name also they never let me know that I had 14 days to bring it back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
American credit acceptance hid the true costs of its borrowings and used aggressive debt collection tactics. They also violated the usury law on my interest rate in Georgia. They refused to lower the rates and I have already paid the balance thats owed on my car the rest is just their interest that they added in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TN

Complaint narrative:
My student loan accounts with XXXX are currently in forbearance, but XXXX has incorrectly reported them as 90 days late to the credit bureaus My loans were placed in forbearance on and I have not been required to make payments during this period. Therefore, no payments should be reported as late. 

This incorrect reporting has significantly damaged my credit score, leading to difficulty obtaining credit I have contacted XXXX via phone to request a correction. However, despite my efforts, they have failed to update my account status with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TN

Complaint narrative:
My student loan accounts with XXXX are currently in forbearance, but XXXX has incorrectly reported them as 90 days late to the credit bureaus My loans were placed in forbearance on and I have not been required to make payments during this period. Therefore, no payments should be reported as late. 

This incorrect reporting has significantly damaged my credit score, leading to difficulty obtaining credit I have contacted XXXX via phone to request a correction. However, despite my efforts, they have failed to update my account status with the credit bureaus.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX ) account, Account No. ending in XXXX I am following up on my recent dispute regarding the charge-off accounts inaccurately reported on my credit file. In your response, you stated that the accounts in question were " Verified as Reported '' without providing the legally required documentation. I attached documentation. Are you not reading it? 

See my compalint and your response attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-24 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: MO

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. Details of Disputed Inquiries : 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 XXXX Legal XXXX XXXX Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation