vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, TransUnion and Experian credit reporting agency Depute regarding inaccurate information on my credit report Dear credit reporting agencies I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well being i am aware of my rights under the fair credit reporting act and request a thorough ingestion into these inaccuracies as required by the federal law Recently the consumer financial protection bureau filed a law against Experian for its failure to properly investigate customers disputes, citing sham investigation and unlawful practices these practices as outlined by cfpb

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, TransUnion and Experian credit reporting agency Depute regarding inaccurate information on my credit report Dear credit reporting agencies I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well being i am aware of my rights under the fair credit reporting act and request a thorough ingestion into these inaccuracies as required by the federal law Recently the consumer financial protection bureau filed a law against Experian for its failure to properly investigate customers disputes, citing sham investigation and unlawful practices these practices as outlined by cfpb

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 2025-03-13 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: TN

Complaint narrative:
Friday, XX/XX/year>XXXX  To whom it may concern : Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. 
Enclosed are the following : A copy of my identity theft report A copy of my drivers license to verify my identity Unrecognizable Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX # XXXX Unrecognizable Address : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Thank You XXXX XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-03-13 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 non-monetary relief
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I requested an investigation and the removal of these accounts, but no action has been taken, nor has any investigation been conducted. Even after I informed you that these accounts were fraudulently obtained, they continue to be reported. You have had sufficient time to resolve this matter, yet you have not done so. I insist that these accounts be removed immediately. 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

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
XXXX XXXX  and DOGE have violated my privacy by accessing private information. I am requesting loan forgiveness due to illegal acts committed by DOGE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash app respond is insane said they couldnt give my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CreditGUARD of America, Inc.
State: OH

Complaint narrative:
I signed up CreditGuard of America in XX/XX/XXXX. The company promised to pay off XXXX or XXXX of my revolving credit accounts. They offered a lower monthly payment. I agreed and starting paying them every month. The company never paid the existing revolving credit cards. As a result I had missed and late payments which negatively impacted my credit score. I have ACH/wire transfer data from my bank ( XXXX XXXXXXXX XXXX ) to the CreditGuard of America . I found out in XXXX of XXXX that CreditGurad was not making any of the payments. I switched to XXXX XXXX XXXX in XXXX of XXXX because CreditGuard went out of business.

I can provide a terms of service from CreditGuard and bank records of payments made every month. I am looking for help because my credit score is now very low. I was denied a mortgage by XXXX XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunbit, Inc.
State: CA

Complaint narrative:
In the month of XXXX I arrived at a dentist appointment at XXXX XXXX. Upon being seen the workers immediately told me that my insurance doesn't cover XXXX XXXX XXXX XXXX the workers offered a different procedure such as XXXX  repair. the staff insinuated that to XXXX XXXX XXXX first would be necessary before any XXXX  teeth. I was confused as to why they were pushing Sun bit credit on to me so hard but now it all makes sense. XXXX XXXX  is such a scam. my teeth indeed did not need XXXX XXXX prior to if I chose to do XXXX XXXX  pulling. the dentist said that the product would come in the mail. when the product arrived i noticed that the product was a solution that gets molded onto your gums. when they staff described the product she explained it as similar to XXXX. upon receiving the product 3 weeks with it in my possession unused I reached out to XXXX XXXX and sun bit explaining that I had not used it and I want to cancel the loan. XXXX XXXX told me that there is nothing they can do which is absurd because if a company advertises a loan then they should be able to tell you the pros and cons. also the company shall allow grace periods and options to decline or cancel. XXXX XXXX then told me to call sun bit. As I called sun bit to explain the situation sun bit immediately bounced me back over to XXXX XXXX  and told me its between me and XXXX XXXX XXXX XXXX told me its between me and sun bit.im not responsible for any payments after XXXX of XXXX sun bit continues to bill me. I have all emails from sunbit and XXXX XXXX regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

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 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.


Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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, Engelhardt V. Gravens ( 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 2025-03-13 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: NM

Complaint narrative:
Im reaching out regarding incorrect information on my credit report that needs to be addressed immediately. After reviewing my report, I noticed several discrepancies that are simply not accurate and need to be corrected right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY FRAUD. SOMEONE HAS BEEN FRAUDULENTLY USING MY IDENTITY TO OBTAIN SERVICES AND GOODS USING MY PERSONAL INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF UNAUTHORIZED HARD INQUIRIES To Whom It May Concern, This is a formal demand under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b, which clearly states that a consumer reporting agency may only furnish a consumer report for permissible purposes explicitly authorized by the consumer. After reviewing my credit report, I have identified several hard inquiries that were made without my authorization or a valid permissible purpose.

I did not initiate or authorize these inquiries, nor did I provide written consent as required by law. If the inquiring party claims to have obtained my consent, I demand immediate proof in the form of a signed application or contract authorizing the inquiry. 

Failure to provide proof of my authorization would mean these inquiries were conducted in violation of : 15 U.S. Code 1681b No permissible purpose 15 U.S. Code 1681n Willful noncompliance, subjecting violators to statutory damages 15 U.S. Code 1681o Negligent noncompliance, subjecting violators to actual damages 15 U.S. Code 1681i Failure to investigate disputed information Because these inquiries negatively impact my creditworthiness, I am demanding their immediate removal from my credit file. If this matter is not resolved within 15 days, I will have no choice but to escalate this matter by filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office Pursuing legal action against both the credit bureau and the furnisher of the inaccurate information This letter serves as official notice under federal law. I expect a prompt response confirming deletion of these inquiries from my credit report.. 

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 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

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 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Request for Debt Validation Account Number : XXXX Dear To Whom It May Concern I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter. 

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 2025-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank reran my credit without my authorization, while I was a year into making payments. They ended up closing my account causing my credit score to tank a XXXX plus points based upon incorrect information. I have tried to work with them and get this taken care of with no results other than I make payments from them. They have also called about 20-30 times on a robo caller after being informed not to do so. That is also been reported. This is in reference to the mattress firm account with 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 explanation
Consumer complaint received 2025-03-13 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: VA

Complaint narrative:
I was told to transfer my money out of my account by Venmo account specialist but when I tried to do that the next day it says my account was suspended and to upload my ID. I uploaded my ID and then they said my account was permanently banned and they were going to hold my funds for 180 days. This first began on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I received a letter from Afni attempting to collect {$3000.00} on behalf of XXXX for an accident that occurred in XX/XX/XXXX. I had purchased full damage waiver coverage from XXXX, which means that XXXX assumed full liability for any damages. Therefore, Afni is attempting to collect a debt that is invalid because I am not liable for any costs associated with the accident. In addition to the collection attempt, I also received a letter from Homeland Security stating that my license may be revoked due to this claim, which is completely based on the invalid debt. I am requesting that Afni cease all collection efforts immediately, and that Homeland Security confirm in writing that no action will be taken against my license due to this false claim. I also ask that a resolution be reached confirming that I am not liable for the debt Afni is attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief