vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: CA

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 non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
They use different numbers and called at all hours of the day. The amount constantly changed and nothing ever felt accurate. I was also contacted through my work number from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Explanation of My Complaint : Recently, XXXX has begun drastically reducing credit limits for many cardholders, including myself, with little to no explanation or prior notice. On XXXX XXXX, I discovered that my XXXX credit limit had been slashed from {$29000.00} to {$12000.00} without any warning. I was not notified in advance, and the only communication I DID NOT received any email or mail on this decision. 
This reduction had an immediate and detrimental impact : My credit utilization spiked from under 10 % to over 50 %, harming my credit score despite my responsible usage and perfect payment history.

The change disrupted my ability to manage routine expenses, as my card was unexpectedly declined for my daily expenses, stranding my family on that days purchases. 
Why This Is Unfair : Lack of Notice : I was not given advance warning or a clear opportunity to address any perceived risk factors. 
Arbitrary and Unexplained : The reasons provided, such as " periodic review, '' lack transparency and do not align with my financial behavior or payment history.

Severe Financial Harm : The abrupt reduction caused unnecessary stress, credit score damage, and disruptions to essential transactions, like groceries or subscriptions. 
Desired Resolution : A thorough investigation into XXXX practices, including their lack of transparency and failure to notify customers adequately. 
Restitution for affected customers, such as reinstatement of previous credit limits or compensation for credit score damage. 
Improved communication policies to ensure that customers are warned and given a chance to address concerns before such drastic actions are taken. 
This situation undermines trust in credit card issuers and highlights the need for accountability when companies make sweeping changes that harm their customers. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX  Account Number : XXXX Inquiry 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute fraudulent information being reported on my credit file by TransUnion. I am a victim of identity theft, which occurred as a result of the XXXX and XXXX data breaches. Despite my efforts to resolve this issue directly with TransUnion, they have failed to remove the fraudulent accounts from my credit report. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I have the right to request the blocking of information resulting from identity theft. I have provided the necessary documentation, including a police report and an identity theft affidavit, yet TransUnion has continued to report these unauthorized accounts, causing ongoing financial harm. I urge the CFPB to take immediate action to ensure TransUnion complies with federal law and removes all fraudulent information from my credit report. 

XXXX XXXX Balance - {$19000.00} Opened - XX/XX/XXXX XXXX XXXX Balance - {$3100.00} Opened - XX/XX/XXXX XXXX XXXX Balance - {$2400.00} Opened - XX/XX/XXXX XXXX XXXXXXXX Balance - {$590.00} Opened - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Heres the final version of the letter with the updated date : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Attn : Credit Reporting Department XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX Subject : Second Dispute - Request for Removal of Inaccurate Credit Report Entry Charge-Off and Account Closed at Credit Grantors Request Dear Sir/Madam , This is my second notice regarding the inaccurate reporting of my account. I am formally disputing the entry on my credit report for the account listed below : Account Information Account Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Balance : {$19000.00} Balance Updated : XX/XX/XXXX Account Type : Credit Card Status : Charge-Off Account Closed at Credit Grantors Request Terms : On Record Until XX/XX/XXXX The entry on my credit report inaccurately states that my account was closed at the request of the XXXX XXXX and shows as a charge-off. While the account was indeed closed by XXXX XXXX XXXX XXXX, it is not an accurate reflection of the circumstances when it was reported as a charge-off. 

Under 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), all information provided to credit bureaus must be accurate and complete. This account was closed by the credit grantor, and the reporting of it as a charge-off is inaccurate. As a result, the incorrect reporting is adversely affecting my credit score.

In addition, under 15 USC 1681i, I have the right to dispute inaccurate information, and the charge-off reporting in this case is clearly incorrect. I am requesting the immediate removal of this account from my credit report due to this inaccuracy.

If this dispute is not addressed properly, and the inaccurate information remains, I may pursue legal action under 15 USC 1681n for willful noncompliance with the FCRA.

Please investigate and correct this error by removing the entry, as it is an inaccurate reflection of the accounts status.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period required by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
XX/XX/year> Unauthorized access of credit bureau and social security number in attempt to obtain credit for a vehicle at XXXX XXXX of XXXX, MI Contacted Ford Motor Credit, they indicated that this attempt was in person. 
This claimant has not been to XXXX XXXX XXXX, has not applied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX I purchased a pair of shoes through XXXX XXXX XXXX website for {$180.00} using my Citi debit card ending in XXXX. 

According to the tracking, this item was delivered to me on XX/XX/XXXX however, when I went to retrieve the package it was not able to be located. 

I contacted XXXX XXXX good after waiting several days ( their suggestion ) and working with my landlord. The package was never located or retrieved. 

I was offered the option to repurchase the shoes, and once my order was initiated, I could be granted a refund for the lost package. That was not acceptable, as I already paid for a service I did not receive. I should not be forced to make another purchase from them to have the lost order refunded. The refund is something I am owed, not an incentive. 

The delivery photo provided is not clear, and shows several packages. I asked the XXXX representative to advise me which package was mine in the picture? He said that even if he could, it would not make a difference because he can not refund me ; the item is marked as delivered. 

I was ultimately advised to dispute the charge with my bank, which I did. Initially I was issued a temporary credit however, after the merchant provided the same insufficient proof of delivery to my bank, they overturned their decision and the funds were deducted back out of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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 non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Heres the final version of the letter with the updated date : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Attn : Credit Reporting Department XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX Subject : Second Dispute - Request for Removal of Inaccurate Credit Report Entry Charge-Off and Account Closed at Credit Grantors Request Dear Sir/Madam , This is my second notice regarding the inaccurate reporting of my account. I am formally disputing the entry on my credit report for the account listed below : Account Information Account Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Balance : {$19000.00} Balance Updated : XX/XX/XXXX Account Type : Credit Card Status : Charge-Off Account Closed at Credit Grantors Request Terms : On Record Until XX/XX/XXXX The entry on my credit report inaccurately states that my account was closed at the request of the XXXX XXXX and shows as a charge-off. While the account was indeed closed by XXXX XXXX XXXX XXXX, it is not an accurate reflection of the circumstances when it was reported as a charge-off. 

Under 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), all information provided to credit bureaus must be accurate and complete. This account was closed by the credit grantor, and the reporting of it as a charge-off is inaccurate. As a result, the incorrect reporting is adversely affecting my credit score.

In addition, under 15 USC 1681i, I have the right to dispute inaccurate information, and the charge-off reporting in this case is clearly incorrect. I am requesting the immediate removal of this account from my credit report due to this inaccuracy.

If this dispute is not addressed properly, and the inaccurate information remains, I may pursue legal action under 15 USC 1681n for willful noncompliance with the FCRA.

Please investigate and correct this error by removing the entry, as it is an inaccurate reflection of the accounts status.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Heres the final version of the letter with the updated date : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Attn : Credit Reporting Department XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX Subject : Second Dispute - Request for Removal of Inaccurate Credit Report Entry Charge-Off and Account Closed at Credit Grantors Request Dear Sir/Madam , This is my second notice regarding the inaccurate reporting of my account. I am formally disputing the entry on my credit report for the account listed below : Account Information Account Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Balance : {$19000.00} Balance Updated : XX/XX/XXXX Account Type : Credit Card Status : Charge-Off Account Closed at Credit Grantors Request Terms : On Record Until XX/XX/XXXX The entry on my credit report inaccurately states that my account was closed at the request of the XXXX XXXX and shows as a charge-off. While the account was indeed closed by XXXX XXXX XXXX XXXX, it is not an accurate reflection of the circumstances when it was reported as a charge-off. 

Under 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), all information provided to credit bureaus must be accurate and complete. This account was closed by the credit grantor, and the reporting of it as a charge-off is inaccurate. As a result, the incorrect reporting is adversely affecting my credit score.

In addition, under 15 USC 1681i, I have the right to dispute inaccurate information, and the charge-off reporting in this case is clearly incorrect. I am requesting the immediate removal of this account from my credit report due to this inaccuracy.

If this dispute is not addressed properly, and the inaccurate information remains, I may pursue legal action under 15 USC 1681n for willful noncompliance with the FCRA.

Please investigate and correct this error by removing the entry, as it is an inaccurate reflection of the accounts status.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: Porania, LLC
State: GA

Complaint narrative:
I am a victim of data breach. Information exposed in the data breach.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-21 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: MN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN, XXXX XXXX XX/XX/XXXX Good morning to whom this may concern. I was taking a look at my most recent credit report and noticed that an account XXXX XXXX  ACCOUNT NUMBER : XXXX is still reporting inaccurately. I have asked many times for this account to be PROPERLY Investigated but yet you have FAILED your legal obligations. You have REPORTED A HIGH CREDIT : XXXX this is INACCURATE how can my balance be XXXX? When my statement shows XXXX? HOW CAN ACCOUNT CONTINUE TO SHOW CHARGE OFF EVERY MONTH? THIS IS A VIOLATION I PROVIDED DOCUMENTATION TO PROVE MY CLAIM. REMOVE ACCOUNT FROM CREDIT REPORT FOR INACCURATE INFORMATION. High Credit : {$1300.00} I never received a loan of XXXX from XXXX XXXX  ACCOUNT NUMBER : XXXX therefore you are manipulating my credit report and creditworthiness with inaccurate and erroneous information. I am in the process of BUYING A HOUSE for my family and your violation of my consumer rights is keeping me from DREAM HOUSE. You have REPORTED a HIGH CREDIT : XXXX this is INACCURATE AS IT IS ILLEGAL TO REPORT CHARGE OFF PAYMENT HISTORY. REMOVE ACCOUNT FROM CREDIT REPORT FOR INACCURATE INFORMATION. I have attached a copy of my credit report and Identifying information below. I HOPE THIS GETS RESOLVED IN A TIMELY MANNER THANK YOU

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 2025-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Description of Issue : On XX/XX/year>, my XXXX  account went negative by {$10.00} due to a transaction that I supposedly did not have enough funds for. In an attempt to resolve this issue, I tried to add a payment method to cover the negative balance, but XXXX  prevented me from linking any card or bank account. 

After repeated unsuccessful attempts to correct this myself, I contacted XXXX  support. It took a full week before I was informed that my account had an error and that I should not have a negative balance at all. Despite this acknowledgment, my account remains frozen, and I have been given no resolution or timeline. 

For weeks, I have been passed around between different XXXX  representatives with no meaningful update. No one I have spoken to seems to have the authority to fix this issue, and I am simply told to wait indefinitely. It has now been nearly a month, and my access to my own funds is still restricted due to an error that XXXX  has admitted should not exist in the first place. 

This situation is extremely frustrating and seems legally questionable. XXXX  is effectively holding my money XXXX due to their own internal issue, with no clear resolution in sight. I am requesting immediate intervention to have my account unfrozen and this erroneous negative balance corrected.

Company response to consumer: Closed with explanation