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

Complaint narrative:
TransUnion disregarded my rights and continues to violate federal law. I reviewed my credit report and, despite multiple disputes, TransUnion is still reporting the unauthorized XXXX account ( Account # : XXXX ). This is beyond frustrating. How many times must a consumer dispute the same fraudulent account before TransUnion fulfills its legal obligations? XXXX investigated and removed this account on XX/XX/year>2024, after confirming it was unauthorized and improperly reported without my consent. XXXX never reported it at all. Yet, TransUnion REMAINS THE ONLY BUREAU REFUSING TO COMPLY. Why is it that XXXX and XXXX respect consumer rights, but TransUnion does not? This is not a simple mistakethis is a clear and willful violation of the Fair Credit Reporting Act ( FCRA ). TransUnion is knowingly violating multiple provisions, including 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy, 15 USC 1681b for reporting an account without a permissible purpose, 15 USC 1681i ( a ) for failing to conduct a reasonable reinvestigation, and 15 USC 1681c ( a ) ( 4 ) for continuing to report inaccurate and outdated information. If TransUnion were following the law, this fraudulent account would have been removed long ago. Instead, the company is knowingly allowing false and damaging information to remain on my reportdespite repeated disputes. This is not just negligence ; this is willful noncompliance.

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 2025-03-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-03 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: MD

Complaint narrative:
I am writing to describe a troubling experience I had with inaccuracies in my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. On [ insert XXXX2025, I obtained my credit report from experian and discovered several inaccuracies that included such as erroneous account balances, accounts that do not belong to me, or incorrect late payments. I promptly disputed these inaccuracies with the credit reporting agency, providing supporting documentation that clearly indicated the errors. However, despite my efforts, the agency failed to conduct a thorough investigation as mandated by law, and I did not receive any meaningful resolution or timely updates regarding the status of my dispute. As a result, these inaccuracies remain on my credit report, negatively impacting my credit score and inhibiting my ability to secure credit. I am concerned that this situation reflects a broader issue of non-compliance with FCRA requirements, which are designed to protect consumers like myself from the detrimental effects of inaccurate credit 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 explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I am filing a complaint against Synchrony Bank ( PayPal Credit ) for failing to properly investigate my dispute and wrongfully denying my claim based on incomplete merchant evidence. Synchrony has also changed its denial reasoning multiple times and failed to respond to my formal XXXX  complaint. 

I purchased concert tickets from XXXX using PayPal Credit ( Synchrony ) for {$4000.00}.

The original tickets were never delivered. XXXX provided a voucher as compensation. 
I used the voucher to purchase new tickets explicitly listed as " clear view. '' The tickets I received were labeled " limited view '' and had a significant obstruction. XXXX policy states that ticket issues must be reported within 48 hours of the event for a refund. I reported the issue within the required timeframe. Synchrony denied my dispute, first stating that the merchant sets refund policies and then changing their reason to " final sale/as-is. '' These shifting justifications show they did not fairly review my case. XXXX o

nly provided evidence of my original, undelivered ticket purchase and t he voucherNOT the actual tickets I purchased using the voucher. Their failure to review the correct evidence, shifting justifications for denial, and non-response to the
XXXX  show a failure in their dispute resolution process that needs to be addressed.

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 2025-03-03 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: ID

Complaint narrative:
There are unauthorized accounts on my credit report due to fraudulent use of my personal information, and I have never had any involvement with these transactions. Understanding the seriousness of the situation, I immediately filed a report with the Federal Trade Commission, expecting a swift resolution. However, despite taking all the necessary steps, these fraudulent items remain on my report, continuing to harm my financial standing. It is incredibly frustrating to suffer the consequences of someone elses actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
Source Receivables Management is attempting to extort me for payment of an alleged debt that I do not owe them. I have no contract with them and I do not agree for any of my information to be shared with them. I mailed a cease and desist to them XXXX XXXX  mail today XXXX which is the same notice attached below.

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

Complaint narrative:
I am disputing inaccuracies in the personal information on my credit report. My current employer is XXXX XXXX  XXXX, yet my report reflects outdated or inaccurate employer information. My correct address is XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, but my report may contain incorrect or outdated addresses. These errors misrepresent my identity and may affect my creditworthiness and any perusable purpose for which my report is used, including employment, insurance, and lending decisions. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate information and request a reasonable reinvestigation. 15 U.S.C. 1681e ( b ) requires credit reporting agencies to ensure maximum possible accuracy. If these inaccuracies persist, it constitutes willful non-compliance under 15 U.S.C. 1681n, entitling me to statutory damages of up to {$1000.00} per violation, plus attorneys fees and punitive damages. I demand the immediate correction or removal of all incorrect employer records and addresses. Please provide a written response detailing the outcome of this dispute, including any documents used for verification. If the errors remain, I expect an explanation for their continued reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
I paid {$2600.00} to Security Credit Services , LLC for a XXXX lease that was later ruled unlawful by the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/year>. The CFPB determined that XXXX engaged in deceptive leasing practices, declared all existing XXXX leases void, and prohibited any further collection on these accounts. 

Despite this, Security Credit Services collected money from me for a debt that was legally void, and I later received a partial refund from the CFPB. However, Security Credit Services has refused to return the remaining {$2500.00} that I paid, claiming I must resolve the issue with XXXX XXXX XXXX, the firm that processed my payment on their behalf. 

I have contacted Security Credit Services directly and requested a refund, but they denied my request and directed me elsewhere. Since this debt was never legally owed, they had no right to collect or retain my money. 

I am requesting that Security Credit Services fully refund the remaining {$2500.00} that I paid toward an invalid and unlawful debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Fraudulent Activity on HyperWallet Account XX/XX/scrub> 2025 On XX/XX/year>2025, I noticed that I had not yet received a payment due to me from XXXX XXXX XXXX which was being processed through HyperWallet. After logging into my HyperWallet account to check on the payment, I discovered that my bank account information, along with some personal details, including my phone number, had been changed to an account that is NOT mine. 

I bank with XXXX XXXX  XXXX, but the payment, amounting to {$3700.00}, had been redirected to a XXXX account with the routing number XXXX and a checking account ending in XXXX. The payment was cashed out to this fraudulent account. 

There are two major problems here. The first is that a hacker gained access to my account and stole money that I rely on as a teacher. The second is that HyperWallet, despite acknowledging the theft, has refused to reimburse me for the lost funds. HyperWallet offers no reasonable account protection beyond a password there is no two-factor authentication or any other security measures in place to safeguard accounts from such breaches.

I immediately contacted both XXXX XXXX XXXX and HyperWallet to report the issue. HyperWallet conducted an investigation and confirmed that the payment was indeed stolen, but they informed me that they would NOT be replacing the funds. 

As a result, I have reported the incident to my local police and will be seeking legal advice from an attorney who specializes in online fraud and theft.

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

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX XXXX Account Name : XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 




Thank you for your assistance 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 explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I had a rejected payment from my robinhood checking account this triggered a fraud alert or suspicious activity issue with them. They asked for id verification, I provided all of that. They then decided to close my account and now I can't withdraw my $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: TN

Complaint narrative:
The company is reporting a different balance to my credit report. My personal and financial information was compromised without my permission. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentially of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial that information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This dispute is with Capital One Bank. 

There was a debit charge on XX/XX/XXXXXXXX  for {$440.00} to XXXX and there was a debit charge on XX/XX/XXXX for {$540.00} to XXXX XXXX I did not make either of the purchases. I contacted the bank as soon as I saw the charges appear on my online balance ( XX/XX/XXXX ), they cancelled my debit card and sent me a new card immediately. I received credits on XX/XX/XXXX for the charges while they investigated. 

In early XXXX, the charges were reapplied against my account with an explanation that the dispute credits were denied. I called, complained, and Capital One indicated they would revisit the dispute and again got a dispute claim credit. 

On XX/XX/XXXX the dispute claim was again denied and {$980.00} was withdrawn from my bank account. At no time during the dispute " investigation '' did the bank contact me to discuss the charges. 

Given that the charges were made online it would make sense that the address that the items were sent to would be checked against my home address. Clearly this was never done because it would have shown that the items were not sent to me.

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

Complaint narrative:
There are unauthorized accounts on my credit report due to fraudulent use of my personal information, and I have never had any involvement with these transactions. Understanding the seriousness of the situation, I immediately filed a report with the Federal Trade Commission, expecting a swift resolution. However, despite taking all the necessary steps, these fraudulent items remain on my report, continuing to harm my financial standing. It is incredibly frustrating to suffer the consequences of someone elses actions.

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 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: MI

Complaint narrative:
Keep getting calls from XXXX XXXX XXXX with spoofed numbers multiple times a day. I block one number and they call from another. Been happening for months.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I am disputing inaccuracies in the personal information on my credit report. My current employer is XXXXXXXX XXXX XXXXXXXX, yet my report reflects outdated or inaccurate employer information. My correct address is XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, but my report may contain incorrect or outdated addresses. These errors misrepresent my identity and may affect my creditworthiness and any perusable purpose for which my report is used, including employment, insurance, and lending decisions. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate information and request a reasonable reinvestigation. 15 U.S.C. 1681e ( b ) requires credit reporting agencies to ensure maximum possible accuracy. If these inaccuracies persist, it constitutes willful non-compliance under 15 U.S.C. 1681n, entitling me to statutory damages of up to {$1000.00} per violation, plus attorneys fees and punitive damages. I demand the immediate correction or removal of all incorrect employer records and addresses. Please provide a written response detailing the outcome of this dispute, including any documents used for verification. If the errors remain, I expect an explanation for their continued 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 2025-03-03 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: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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