vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Request for Reinvestigation of Credit Reporting Error Dear [ Recipients Name/To Whom It May Concern ], I am writing to formally dispute an inaccuracy in my credit report as provided by the credit bureaus. My name is XXXX XXXX XXXX, and my credit report contains an error regarding my Revolving/CLOSED account with XXXX ( Account # XXXX ). 

Upon reviewing my credit report, I noticed that this account is missing from my report at TransUnion and Equifax, despite being reported to all three bureaus. The Fair Credit Reporting Act, Section 1681e ( b ), requires that credit reporting agencies ensure maximum possible accuracy in reporting. The absence of this account from my reports reflects a negative impact on my credit history. 

Here are the details of the account in question : - **Account Name : ** XXXX - **Account XXXX : ** Revolving - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$0.00} - **Credit Limit : ** {$200.00} - **Payment Status : ** Paid or paying as agreed - **Last Reported : ** [ Insert Last Reported Date ] I kindly request that you reinvestigate this account and update my credit reports accordingly. I have attached any relevant documentation, including my XXXX XXXX letter, supporting my claim that this account exists and is accurately reported to Experian. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the investigation of my dispute. 

Sincerely,

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Request for Reinvestigation of Credit Reporting Error Dear [ Recipients Name/To Whom It May Concern ], I am writing to formally dispute an inaccuracy in my credit report as provided by the credit bureaus. My name is XXXX XXXX XXXX, and my credit report contains an error regarding my Revolving/CLOSED account with XXXX ( Account # XXXX ). 

Upon reviewing my credit report, I noticed that this account is missing from my report at TransUnion and Equifax, despite being reported to all three bureaus. The Fair Credit Reporting Act, Section 1681e ( b ), requires that credit reporting agencies ensure maximum possible accuracy in reporting. The absence of this account from my reports reflects a negative impact on my credit history. 

Here are the details of the account in question : - **Account Name : ** XXXX - **Account XXXX : ** Revolving - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$0.00} - **Credit Limit : ** {$200.00} - **Payment Status : ** Paid or paying as agreed - **Last Reported : ** [ Insert Last Reported Date ] I kindly request that you reinvestigate this account and update my credit reports accordingly. I have attached any relevant documentation, including my XXXX XXXX letter, supporting my claim that this account exists and is accurately reported to Experian. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the investigation of my dispute. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CSO Financial
State: OR

Complaint narrative:
I verbally committed to an agreement of {$200.00} a month to CSO financial ( starting XX/XX/year> ) which has assumed the debts of XXXX XXXX XXXX XXXX. 

From day one - I indicated I wanted statements to reflect the amount I was paying against what was owed ( principal + interest ) to the remaining balance. 

When you make a payment on CSO Financial 's website all you receive is a confirmation # for the payment you make. There are no follow-up statements to indicate how funds are being allocated or if they're being allocated at all. 

There are many factors that are variables right now and as a consumer, I deserve to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
Vanilla Visa cards advertise they can be used online or anywhere. This is not the case. I've tried several places and my card keeps getting declined even though it says I have the balance. I believe this is a bait and switch. Hoping you give up on trying to spend your own money and keep it seems to be their plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-28 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: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and as a result, unauthorized accounts have been added to my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$54.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$220.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
PENNYMAC has listed on my file foreclosure was started the month I sold my home. They refuse to remove the foreclosure because they hired a law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the firm and they did not process anything through court. They dismissed the case. I am currently trying to get a VA loan but PENNYMACs refusal to remove the foreclosure is making it impossible. Even the law firm mentioned stated they should not have foreclosure status on my account or credit report. PENNYMAC references the fair consumer act yet doesnt uphold it or provide documentation supporting their claims of foreclosure court proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX I paid all his debt. I did a modification on my mortgage to lower payment which was established with XXXX XXXX XXXX which is now XXXX XXXX. Since XXXX I have never missed a payment my mortgage is in good standing as well as my credit. All three credit agencies no derogatory loans. XX/XX/XXXX I received a call from Real Time Resolutions theres a note due from XXXX in amount of XXXX with XXXX XXXX I explained that was my mortgage company and my mortgage is current. I never heard anything from them again. I was served XXXX with foreclosure stating I owed XXXX. I hired an Attorney we had a mediation. Nothing made sense, my credit reports had no delinquencys no calls no letters from them nothing. My attorney suggested make it go away by paying them XXXX which I did by his advice and pay XXXX $ a month for three years which is automatically deducted from my bank. My attorney was fired shortly after my case which I spent thousands that I did not have. Today I called Real Time Resolutions for a balance and to discuss where my payments are being applied. First representative said he didnt see my account # I gave him my name and address, nothing. Called again finally got a representative that said I owe XXXX. Theres charges monthly for XXXX XXXX XXXX Im paying for things she could not explain. My balance should be XXXX and need someone to help me. Im being taken advantage of for something I never knew existed. Real Time told me to sell my home which I only owe XXXX on. I cant afford another attorney nor XXXX in interest. These ghost mortgages are hurting people. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with minimum finances. Please let me know what I can do to at least get interest dismissed. Real Time will not talk to me or assist. My next letter is States Attorneys Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: Synovus Bank
State: FL

Complaint narrative:
I received a letter from my credit card company ( First Progress ) dated XX/XX/year> stating a temporary restriction has been placed on my account due to a returned payment ( I never made a payment at that time ). Received another letter dated the next day XX/XX/XXXX stating my check had been returned and then listed 4 reasons why. 1 ) Account closed 2 ) insufficient funds 3 ) Refer to maker XXXX ) invalid account number. Received another letter dated XX/XX/XXXX Stating a temporary restriction has been placed on my account due to security reasons. Received another letter dated XX/XX/XXXX stating my check had been returned to the bank and listed XXXX reasons XXXX ) Account closed XXXX ) insufficient funds XXXX ) Refer to maker XXXX ) invalid account number Note : on the XX/XX/XXXX letter it stated my balance was {$360.00}. On the XX/XX/XXXX letter it stated my balance was {$270.00}. On XXXX XXXX it stated my balance was {$300.00} and the XX/XX/XXXX letter stated my balance was {$670.00}. My credit limit is {$300.00}. So I called them on XX/XX/XXXX and they told me they suspect fraud because there was 3 attempts to make payments to my account, XXXX payment for {$310.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All 3 payments were returned and I told them it wasn't me making those payments. I am then asked about 3 charges to my account. 2 charges to XXXX on XX/XX/XXXX XXXX for {$150.00}, and another for {$50.00}. And a XXXX charge also to XXXX for {$75.00} on XX/XX/XXXX. I again told them it wasn't me and they said they would open an investigation. I then Receive a another letter from my credit card company stating " They have initiated an investigation into your fraud claim and determined the fraud charges are valid due to the following reason : The transactions are online transactions ( electronic commerce ) and had an exact match for address verification. The merchants address information received for the transaction matched the address listed above that we have on file for you. So because the person the used my credit card new my address it had to be me that made the purchases? Are you kidding me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I attempted to make an online purchase at XXXXXXXX on XX/XX/year> using my Ally debit card ending with XXXX. I'm the account holder and the card holder. My account had more than enough balance for the transaction. As a security measure, Ally declined the transaction and sent me a fraud alert text message to my cell phone asking me to verify the purchase. I verified it. Ally then advised to wait 1-2 minutes and attempt the purchase again. I waited and attempted, but the transaction kept getting declined. I reached out to Ally through their messenger. Their answer was my card was not locked, they didn't know why the transaction was getting declined and just use another card.

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 2025-02-28 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XX/XX/XXXX - balance paid, credit balance of {$8.00} XX/XX/XXXX - fraud {$230.00} XX/XX/XXXX - Contacted the bank and reported fraud. 
- Removed XXXX from my account - Paid {$50.00} while investigating XX/XX/XXXX Called back after noticed score dropped XXXX points Finally investigation was opened ( on XX/XX/XXXX ) Case # XXXX $ XXXX Case # XXXX {$50.00} XX/XX/XXXX Followed up again and obtained : XXXX. ( XXXX ) XXXX Investigations Dept.

2. Found out on XX/XX/XXXX as fraud Operator ID who reported fraud, XXXX Credit dropped now XXXX points XX/XX/XXXX - Followed up again - account ending in XXXX. 
- Spoke with a rep named XXXX, asked for a manager. 
XXXX XXXX, operator ID : XXXX XX/XX/XXXX - spoke with XXXX from that team. In my favor and receiving a XXXX credit. 

XX/XX/XXXX - XXXX ( fraud investor dept ) - Case number XXXX ( review of the account due XXXX XXXX report - credit report isnt fixed ) review takes 30 days - Accepted in XXXX the fraud - letter sent to me- XXXX at customer care to resend the letter from XXXX XX/XX/XXXX - still see the late fee on my credit report - Called again, spoke to XXXX - Case number XXXX, to reverse the XXXX late fee due to fraud.

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 2025-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When reviewing my credit report this morning, I was shocked to see an unauthorized inquiry that I did not recognize. I check my report regularly, and this has never happened before. I refreshed my browser, hoping it was a system issue, but nothing changed. I am beyond frustrated and need this to be fixed immediately. Please thoroughly review my submitted documents so I can stop worrying about this.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my credit reports from Experian and Equifax and identified several unauthorized accounts, including student loans, credit cards, and charge-offs. Specifically : Experian has failed to properly investigate fraudulent accounts under dispute, including : XXXX XXXX XXXX ( opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( opened XX/XX/XXXX ) XXXX is XXXX multiple fraudulent accounts and charge-offs, including : XXXX XXXX, XXXX XXXX XXXX XXXX Charge-off ( {$3700.00} XXXX XXXX XXXX XXXX Fraudulent student loan ( {$67000.00} balance ) Comenity Capital/Cart 30 days past due Upgrade XXXX Charge-off Total XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Unauthorized and closed accounts Additionally , I found fraudulent hard inquiries from : XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX Experian and Equifax have failed to take appropriate action . The fraudulent accounts remain on my report, and Experian has opened a dispute without any resolution or movement. Their lack of proper investigation is a violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) is currently suing Equifax and Experian for their failure to conduct real investigations. Given this, I am concerned that my dispute is not being handled appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
You know what happened. Capital One had many of us in a variable rate savings account that paid " some of the highest interest rates ''. Then when interest rates rose generally they failed to raise the rates for these accounts and created a brand new account in name only that the failed to tell existing customers about. I lost XXXX of $ $ in interest because of this. Now I see you are dropping the lawsuit and letting the scammers get away with it?? Since when did the CFPB decide to aid and abet scammers instead of protecting consumers??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

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.

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 a 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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: CT

Complaint narrative:
Rent Recovery Solutions LLC is trying to collect a debt that I do not owe to the XXXX at XXXX XXXX. This litigation between me ( tenant ) and the landlord ( defendant ) has been resolved at the XXXX XXXX XXXX New Jersey XXXX XXXX Part on XX/XX/XXXX. 

Please see attached settlement where it states that the " defendant will waive any rent or charges accruing after XX/XX/XXXX. Defendant will waive any early termination fees or requirements. Plaintiff will dismiss the matter with prejudice. '' Please also see attached the moveout statement as a proof of payment of all charges until XX/XX/XXXX. This statement also serves as a proof of non-existing damages to the property. 

Please also see attached additional court filing documents for my ( tenant ) damages caused by the defendant. I have signed this settlement on condition that the parties will not disparage XXXX another and request any additional monetary settlements. This is a breach of the signed settlement at the XXXX XXXX XXXX New Jersey.

Company response to consumer: Closed with explanation