vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was trying to open a Sam 's credit card, I completed and submitted the application but never heard back, no emails, no communication until I had to reach out myself to synchrony bank myself. I found out there was security steps that need to completed to confirm the application. I confirm the application and the information and was told the card would be arriving in 10-14 business days. I was told I could activate the card to use on my sam 's account from which I did. On around the 12th business day I contacted the customer service line and was told that the card should be arriving within the 13th and 14th business day. I told the customer service that I wanted the card to pay my bill off. Again I was told not to worry. I called back around a week later and spoke to another agent. Who told that my card had been returned because the lot number was not confirmed, even though I confirmed it with the first lady. She said also that I could just setup and account without the card and sent me a link, where I needed the card. When I called the fourth time I was told that my sam 's account address should be used to confirm where it is correct. I spoke to a manager and who told me I could either pay over the phone, which in todays world is not safe in my eyes as the industry I work has tons of fraud or pay in store. From which I did try to ask the help desk at my local sams about the credit card and I was told they do nothing with the credit cards at all. My payment is due tomorrow, where I will happy pay off the bill, but I just want others to know about how horrible this bank handles things. Mind that I also have another card with this bank, where I had to call to get application finished as well.

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 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Subject : Assistance with PayPal Fraud Case Hello, I am reaching out for help regarding a fraud case that has been ongoing for over a year. In early XXXX, I met a car dealer through XXXX who claimed to have a dealers license and auction access. We started communicating, and he offered to teach me how to buy and sell cars through his account. On XX/XX/XXXX, I sent him {$600.00} via PayPal, trusting their buyer protection policy in case anything went wrong. 

As time passed, I started noticing red flags. He became very secretive, refused to refund me, and even tried to gain access to my vehicles to sell them himself. I realized he was a scammer and immediately requested a refund, which he refused. I then contacted PayPal, and they agreed that the case appeared to be fraudulent. They initiated an investigation and requested proof through email. However, the email linked to my PayPal account was one I no longer had access to, so I never received their request for proof. Because I was unable to respond in time, PayPal denied my claim.

Months later, on XX/XX/XXXX, I contacted PayPals top authority and explained the situation. They updated my email and asked me to provide the necessary proof, which I did. Despite having all the evidence, my case was denied again due to PayPals six-month dispute policy, which prevents them from processing fraud claims after that time frame. 

Recently, I spoke with PayPal again, and they confirmed that if this transaction had been within six months, they would have issued me a refund based on the proof I provided. They acknowledged that the situation was unfair but said that their hands were tied due to their policy. They advised me to reach out to you for further assistance and assured me they would be willing to cooperate with you on this matter. 

I have all the necessary proof of the transaction and the fraudulent activity. Losing {$600.00} is a significant financial setback, and I would really appreciate any help in resolving this issue. 

Please let me know if there is anything I can do or any further information I need to provide. 

Thank you for your time and assistance. 

Best regards, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: Consumer Adjustment Company Incorporated
State: DE

Complaint narrative:
On my credit report i have stuff on my credit that i need off and also that does not need to be on there and idk why its on there, i been trying to dispute things off my credit report and need it to be off & i would love for this old collection item to be off my credit report because the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
On my credit report i have stuff on my credit that i need off and also that does not need to be on there and idk why its on there, i been trying to dispute things off my credit report and need it to be off & i would love for this old collection item to be off my credit report because the information is inaccurate

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section XXXX of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX  days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section XXXX of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX  days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-10 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX - Closed acct Never received a XXXX cancellation of debt form. FCRA XXXX XXXX 15 u.s. Code ss1692 ( a ) XXXX XXXX XXXX XXXXXXXX XXXX acct {$380.00} Never received a XXXX cancellation of debt form FCRA XXXX XXXX 15 u.s. code ss1692 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct {$21000.00}. Never received a cancellation of debt form XXXX. 15 u.s code ss1681b ( a ) ( XXXX ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$990.00} Pursuant to the fair debt collection practices act 15 USC code1692. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} according to FCRA XXXX XXXX it is illegal to report anything on my credit report without my permission. Regulation F 12 CFR part 1006

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 2025-03-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX - Closed acct Never received a XXXX cancellation of debt form. FCRA XXXX XXXX 15 u.s. Code ss1692 ( a ) XXXX XXXX XXXX XXXXXXXX XXXX acct {$380.00} Never received a XXXX cancellation of debt form FCRA XXXX XXXX 15 u.s. code ss1692 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct {$21000.00}. Never received a cancellation of debt form XXXX. 15 u.s code ss1681b ( a ) ( XXXX ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$990.00} Pursuant to the fair debt collection practices act 15 USC code1692. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} according to FCRA XXXX XXXX it is illegal to report anything on my credit report without my permission. Regulation F 12 CFR part 1006

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: TN

Complaint narrative:
For starters, I never took a student loan out on XXXX XXXX. I wasnt even out on the streets. I was locked up in prison to just be honest with you so Im wondering why thats all my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: VA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Loan Information : Loan Type : Investment Property ( Single-Family Home ) Loan Closing Date : XX/XX/XXXX Original Loan Servicer : XXXX XXXX XXXX Current Loan Servicer : XXXX XXXX  Issue Summary : I am filing this complaint due to improper escrow collection, misapplication of my mortgage payments, and excessive delays in resolving a servicing issue. 

Upon closing my loan on XX/XX/XXXX, it was established as a non-impounded loan with an escrow waiver. My XXXX XXXX XXXX and loan documents clearly reflect that I was not required to maintain an escrow account for taxes and insurance. 

The loan was initially transferred to XXXX XXXX XXXX and subsequently sold to XXXX XXXX. Upon assuming servicing responsibilities, XXXX improperly conducted an escrow analysis on a non-escrowed loan and began collecting for taxes and insurance, despite my loan documents explicitly waiving escrow requirements. 

Attempts to Resolve the Issue : XX/XX/XXXX : I first contacted XXXX to dispute the escrow charges and was given inconsistent responses. 
XX/XX/XXXX : I sent a formal written dispute to XXXX, which they acknowledged but failed to address in a timely manner. 
XX/XX/XXXX : After months of follow-ups, I was informed by XXXX XXXX that my payments were not being applied until a full payment was received. However, I have been making my full monthly mortgage payments on time. Despite this, I am now being assessed late fees due to their misapplication of payments. 
XX/XX/XXXX : I spoke with XXXX XXXX, who attempted to assist me but could not provide any supporting documentation to justify why an escrow account had been established. 

Impact on My XXXX XXXX : I am currently refinancing an unrelated investment property. If XXXX erroneous late payment reporting negatively affects my credit, I will either pay significantly higher loan costs or risk losing my refinance approval altogether. 
This ongoing issue has placed me in a serious financial predicament solely due to XXXX XXXX failure to properly service my loan and adhere to my original loan terms.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: SC

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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