vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Education Rights and Privacy Act ( FERPA ). Mt student records were disclosed without my consent violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974. My personal and financial information was improperly accessed and shared without authorization aiding my privacy rights under federal law. Violation of the Higher Education Act, as a student loan borrower, my information should have been protected but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence, the entity responsible for safeguarding my data failed to do so putting my financial security at risk and unauthorized disclosure to third parties/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-28 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: TN

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-04-28 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-28 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-28 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC and XXXX XXXX XXXX XXXX for illegal, inaccurate, and unverifiable credit reporting. Both companies are reporting debt ( s ) that have not been properly validated. I have requested verification, and they have either failed to respond or continued to report unverifiable, outdated, or incorrect information in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Specific violations include : Reporting without proper validation ( 1692g ) Re-aging or misdating delinquency dates ( 1681c ) Failure to investigate disputes ( 1681i ) Furnishing inaccurate information after notification ( 1681s-2 ( a ) ) I have attached a cease and desist letter outlining all violations and my request for immediate deletion of these tradelines. Please investigate and require these furnishers to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of the following accounts currently appearing on my credit report : XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$660.00} and {$630.00} Acceptance Now Real Estate Balance : {$1500.00} These accounts are not mine, were opened without my knowledge or authorization, and appear to be the result of identity theft or inaccurate reporting. I have made numerous attempts to contact the debt collectors associated with these accounts, including XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Despite sending multiple written requests asking for verification of the alleged debts, I have not received any meaningful written response. Instead, I continue to receive harassing text messages and phone calls from these companies asserting that I owe debts I am unaware of. Their representatives have been consistently rude, unprofessional, and dismissive over the phone. They have failed to provide any documentation or legal validation for the debts in question, in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Given the lack of verification, the continued harassment, and my genuine unawareness of these alleged debts, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, and demanding the following : Immediate blocking, removal, and cessation of reporting of these inaccurate and/or fraudulent accounts from my credit report. Written confirmation once these accounts have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
An account with Synchony, AKA Amazon, was discovered during credit evaluation checking on other fraudulent accounts. This account was not opened nor used by me. Upon discovering the account, Synchony was notified that this was opened under fraud, and I was not responsible for the said charges. Communication was exchanged several times. They were provided a fraud file with all XXXX credit bureaus, police reports, reports with the Federal Trade Commission, as well as their specific fraud/dispute forms. The other accounts filed during this identity theft were closed, and this particular one was sent to collections while still in dispute.

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 2025-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/year> while shopping for a gifts for my wedding, I was approached by a store associate near the XXXX section at JC Penny in XXXX XXXX. I was interested in getting a necklace for my wife to wear on our wedding day, as well as a gift for my best man. The store associate mentioned a promotion of 35 % off if I applied for a store card but I told her I wasn't interested, the rates are too high. She then said that it was actually interest free for the first XXXX years. With rates being so high now a days, it seemed like a great deal. 
I didn't need a new line of credit, I was prepared to pay with my debit card that day but was mislead by the store associate into signing up for a card under false pretense. 
I recieved my card and terms in the mail XX/XX/year>. When reviewing the terms with my XXXX, we noticed nowhere was there a mention of 0 % Interest for XXXX  years as was initially promoted to me. 
After speaking with XXXX, I told him that this was fraud and I needed to speak to his supervisor to remedy the situation because I expected them to honor the original terms given at the time of approval. 
XXXX was very unhelpful, argumentative, talking over me many times as I tried to explain my situation. Unfortunately because of XXXX 's lack of concern regarding the seriousness of this issue and being very dismissive, I am contemplating taking legal action against JCPenny and Synchrony for misleading me under false pretense to enter into an agreement for a new card which I didnt want or need. Especially at 33.99 %.... what a joke. 
I think I'm being reasonable in asking that they honor the initial terms but that seemed to be unreasonable to XXXX with Synchrony so Im filling this complaint as well as a complaint with the XXXX  and will contemplate further action if needed.

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 2025-04-28 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: FL

Complaint narrative:
This complaint to TRANSUNION was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I am filling a complaint against cash app ( Block inc ) due to inadequate customer services and unfair practices, which violates the consumer protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and Address fraud on their platform, Leaving my Account Vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and Deceptive, as they did not comply with error Resolution requirements under the Electronic Fund act ( EFTA ) and regulation E. These actions have caused Significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint against Bank of America regarding their refusal to issue a provisional credit for a fraudulent transaction involving my debit card used through XXXX XXXX. 

I was induced to send a payment under false pretenses, involving fraud, misrepresentation, and threats to my safety. This constitutes unauthorized use under Regulation E, even though I initiated the payment.

Bank of America incorrectly claims that because I initiated the transfer, it is not considered fraud. However, Regulation E covers fraudulently induced transactions, and federal guidelines require provisional credit during the investigation. 

Bank of America has refused to issue provisional credit within the XXXX business days required by Regulation E and is mishandling my fraud claim.

I am requesting immediate provisional credit for the disputed amount and a full review of the mishandling of my claim in compliance with Regulation E protections.

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 2025-04-28 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: FL

Complaint narrative:
This morning, I discovered some inaccurate accounts on my credit report and I'm not sure why they appeared. I routinely check my credit report, but this time, there were unexpected discrepancies. I even tried refreshing my browser to see if it was just a temporary glitch, but the incorrect accounts remained. Because of this, I am requesting a thorough review of the documents I've submitted to ensure that this issue is completely resolved and won't cause me future concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive filed disputes through Experian and Ive been denied in less than XXXX hours without any explanation or proof of why I have all this debt and fraudulent charges under my account causing my credit scores to remain low.

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 2025-04-28 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:
TransUnion is inaccurately reporting late payments for XXXX XXXX Account Number : XXXX * * * *, XXXX Account Number : XXXX * * * *, and XXXX  Account Number : XXXX * * * *. Each of these accounts reflects a {$0.00} past due balance, which makes the existence of any legitimate late payment impossible. Under 15 USC 1681i and 1681e ( b ), TransUnion must ensure maximum possible accuracy, yet it continues to allow this misleading and harmful information to remain without providing verified proof such as original billing statements, payment history logs, or creditor-verified notices of delinquency.

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 2025-04-28 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-28 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Payment made XX/XX/XXXX. Closed accounts on a hardship plan. Company states payment was too early and should not have been made prior to XX/XX/XXXX in case of Venmo account. Website did not reflect this as an issue and advanced the due date for the next hardship payment to XX/XX/XXXX. Company reported payment as late as no other payment was received between XXXX. Payment made was within 30 days of due date and system reflected payment as received and account as current. Company is unwilling to apply payment to XX/XX/XXXX date and now wants a double payment prior to XX/XX/XXXX. Company reported payment as late to credit bureaus. I have XXXX accounts at Synchrony and all had the same issue, were reported as late, and required double payments for XXXX. 

I feel the due date requirement was not communicated properly by the company or the website. The reporting to the credit bureau is unnecessarily harmful. The unwillingness of the company to correct payment accounting on the account is unfair and unreasonable, particularly considering the mobile app reflected the account as current.

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 2025-04-28 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: TX

Complaint narrative:
Equifax is continuing to inaccurately report charge-offs for XXXX XXXXXXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, and XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. Despite the absence of verifiable, authenticated documentation, these derogatory marks are being allowed to damage my creditworthiness. This behavior is in direct violation of Equifaxs legal obligations under 15 USC 1681e ( b ) and 1681i. The repeated inaccurate reportingespecially following a known risk of data breaches involving consumer informationraises serious concerns about the legitimacy of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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Company response to consumer: Closed with non-monetary relief