vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I am filing a complaint to formally dispute certain information on my credit report. I have reviewed my credit file and Found the following items to be inaccurate and/or unverifiable. 
Item Being Disputed : NXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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 am filing a complaint to formally dispute certain information on my credit report. I have reviewed my credit file and Found the following items to be inaccurate and/or unverifiable. 
Item Being Disputed : NXXXX 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 XXXXXX/XX/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 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IA

Complaint narrative:
You contacted MOHELA before XX/XX/year>, inquiring about the XXXX plan and the necessary steps. They advised you to consolidate all your loans and then apply for the XXXX plan. Following their instructions, you consolidated your loans around XX/XX/XXXX. The representative stated that this consolidation would ensure your prior XXXX XXXX XXXX XXXX ( XXXX ) eligible payments would be transferred and applied to the new consolidated loan. Additionally, they recommended applying for the XXXX plan concurrently to secure a low monthly payment while pursuing XXXX. 

However, after consolidating your loans, MOHELA removed your PSLF payment counts and terminated your XXXX plan application. Approximately XXXX months later, in XXXX, you contacted MOHELA again after noticing these discrepancies. The representative you spoke with at that time acknowledged that you had been removed from the XXXX plan and stated they had reinstated it. 

Despite this assurance, you discovered after the beginning of the following year that you were still not enrolled in the XXXX plan. Furthermore, MOHELA now claims that your direct consolidated loans are not eligible for XXXX. To summarize, MOHELA instructed you to consolidate your loans to pursue XXXX and enroll in the XXXX plan. While they did consolidate your loans, they subsequently removed your PSLF progress and dropped you from the XXXX plan. You are also now accruing interest on loans that were supposed to be in forbearance. 

Since then, you have reapplied for the XXXX plan as MOHELA directed. This new application is currently processing. Your account currently indicates that you are on the standard repayment plan with a payment due, although a MOHELA representative informed you that your loan is actually in forbearance, despite this not being reflected in your account details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: AL

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.

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  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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed the inaccurate reporting of an account ( XXXX ) on my credit reports with Experian, Equifax, and TransUnion. 
Despite XXXX separate disputes, the inaccurate information remains

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As of XX/XX/year> I had authorized inquires pulled from my credit.

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 2025-04-29 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: NJ

Complaint narrative:
XXXX. Account Name : XXXX  Financial Inquired : XX/XX/year> Account Address : XXXX XXXX XXXX From XXXX XXXX XXXX XXXX XXXX Discrepancy : Delete off my Report XXXX. Account Name : XXXX  Financial Inquired : XX/XX/year> Account Address : XXXX XXXX XXXX XXXX XXXX Discrepancy : Delete of my Report XXXX. Account Name : XXXX XXXX XXXX XXXX XX/XX/year> Account Address : XXXX XXXX XXXX XXXX XXXX Discrepancy : Delete of my Report XXXX. Account Name : XXXX XXXX XXXX Inquired : XX/XX/year> Account Address : XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX Discrepancy : Delete of my Report XXXX. Account XXXX : XXXX Inquired : XX/XX/year> Account Address : XXXX. XXXX XXXX XXXX XXXX CA XXXX Discrepancy : Delete of my Report XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/year> Account Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : Delete of my Report XXXX. Account Name : XXXX  XXXX Inquired : XX/XX/year> Account Address : XXXX XXXX  XXXX XXXX, VA XXXX Discrepancy : Delete of my Report XXXX. Account Name : XXXX  XXXX Inquired : XX/XX/year> Account Address : XXXX XXXX  XXXX XXXX, VA XXXX Discrepancy : Delete of my Report XXXX. Account Name : XXXX Inquired : XX/XX/year> Account Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : Delete of my Report XXXX. Account Name : XXXX  NA Inquired : XX/XX/year> Account Address : XXXX.XXXX  XXXX  XXXX XXXX XXXX XXXX UT XXXX Discrepancy : Delete of my Report XXXX. Account Name : XXXX XXXX XXXX Inquired : XX/XX/year> Account Address : XXXX XXXX XXXX XXXX XXXX  DE XXXX Discrepancy : Delete of my Report XXXX. Account Name : XXXX XXXX Auto Fin Via Dealer Inquired : XX/XX/year> Account Address : XXXX XXXX XXXX XXXX Tx XXXX Discrepancy : Delete off my Report

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 2025-04-29 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 am filing a complaint due XXXX several unauthorized credit inquiries that appear on my credit report, which I am requesting XXXX be removed. After contacting the creditors responsible, I was informed that they have no evidence that I initiated these inquiries, nor do they have any written or verbal authorization from me, nor a permissible purpose as required by the Fair Credit Reporting Act ( FCRA ). 
Specific Unauthorized Inquiries : XXXX. DKDOFDAVIS - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX These inquiries were made without my consent, and I have requested that the involved credit bureaus Equifax conduct a thorough and manual investigation. However, these bureaus often rely on the XXXX system, which has been noted by the CFPB as insufficient in cases where verifying authorization documents requires a manual review. 
I have invoked several FCRA provisions that support my request for deletion, including : Section XXXX ( Permissible Purposes ) : These inquiries do not meet the permissible purposes specified. XXXX. 
Section XXXX ( Inaccurate or Unverifiable Information ) : I am requesting these inquiries be deleted as there is no verification or documentation supporting their inclusion in my credit report. 
XXXX. 
Section XXXX ( Right to XXXX and XXXX ) : The FCRA mandates that each inquiry on my report must be verifiable by an original contract or evidence of my consent, which is not present in this case. 
XXXX. 
Section XXXX ( Responsibilities of XXXX XXXX ) : Information providers are required XXXX ensure the accuracy XXXX  authorization of reported information, which these inquiries do not meet. 
XXXX. 
Section XXXX ( Identity Theft Protection ) : Should these inquiries relate XXXX identity theft, I am requesting their deletion under this protection. 
XXXX. 
Additionally, I reference the case XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the XXXX XXXX ruled that accessing a credit report without a legitimate purpose or the consumer 's consent constitutes a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am filing a complaint to formally dispute the following information that appears on my credit report. I have reviewed my report and found that the item listed below is inaccurate and does not belong on my file. In accordance with the Fair Credit Reporting Act ( XXXX  ), I respectfully request an immediate investigation and deletion of the inaccurate information. 

XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * Balance Owed : {$0.00} XXXX OF XXXX * * * * Balance Owed : {$840.00} XXXX  XXXX * * * * * * Balance Owed : {$2400.00} XXXX  XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$1400.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$1200.00} XXXX XXXX XXXX * * Balance Owed : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am filing a complaint to formally dispute the following information that appears on my credit report. I have reviewed my report and found that the item listed below is inaccurate and does not belong on my file. In accordance with the Fair Credit Reporting Act ( XXXX  ), I respectfully request an immediate investigation and deletion of the inaccurate information. 

XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * Balance Owed : {$0.00} XXXX OF XXXX * * * * Balance Owed : {$840.00} XXXX  XXXX * * * * * * Balance Owed : {$2400.00} XXXX  XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$1400.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$1200.00} XXXX XXXX XXXX * * Balance Owed : {$1400.00}

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone : [ Your Phone Number ] Email : [ Your Email Address ] Date : [ Insert Todays Date ] To : Consumer Financial Protection Bureau ( CFPB ) P.O. Box 27170 Washington , DC 20038 Subject : Formal Complaint Against Synchrony Bank / PayPal Credit ( SYNCB/PPC ) for Violations of the FDCPA Dear CFPB Officer, I am filing a formal complaint against Synchrony Bank / PayPal Credit ( SYNCB/PPC ) regarding unlawful communication tactics, improper reporting practices, and violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ).

I have sent a Cease and Desist letter to SYNCB/PPC requesting that they immediately stop all communications regarding an alleged debt associated with account number ending in 1759. Under 15 U.S.C. 1692c ( c ), once a debt collector receives a consumer 's written request to cease communication, they are legally obligated to comply.

Furthermore, under 15 U.S.C. 1692a ( 2 ), " communication '' is defined as the conveying of information regarding a debt directly or indirectly to any person through any medium. Therefore, reporting to any consumer reporting agency ( such as XXXX XXXX XXXX XXXX  ) qualifies as a form of communication.

Despite my cease and desist request, SYNCB/PPC has continued to report the alleged debt to the credit bureaus, violating federal law and continuing to damage my credit profile unlawfully.

Requested Resolution : Immediate deletion of the SYNCB/PPC tradeline associated with this alleged debt from all consumer credit reporting agencies.

Confirmation in writing that all reporting has ceased in compliance with the FDCPA and FCRA. 

Investigation into Synchrony Banks ongoing reporting practices after receiving cease and desist notices. 

Attached are copies of my cease and desist communication and evidence of the ongoing reporting activity as of XX/XX/year>. 

Thank you for investigating this serious violation of my consumer rights. 

Sincerely, 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 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Subject : Request for Resolution Regarding Mortgage Payment Application and Late Fees Dear Wells Fargo Team, My name is XXXX XXXX, and I have a mortgage with Wells Fargo. I have my monthly mortgage payments set up to be automatically sent from my bank on the XXXX of each month, although the official due date is the XXXX. While I understand there is a XXXX grace period, I prefer to stay ahead on my payments. 
In XXXX, my mortgage payment increased from {$4100.00} to {$4300.00}. I updated the payment amount for XXXX, and the updated payment was sent on XX/XX/XXXX. However, because my XXXX payment was {$190.00} short, the bank applied the {$4100.00} toward principal only, without sending me any notification. As a result, the {$4300.00} I sent for XXXX 's payment was instead applied toward XXXX, and I was assessed a {$120.00} late fee. 
Due to my busy schedule managing multiple rental properties and a full-time job, I did not catch this issue until I reviewed my account during tax season. At that time, I discovered that I had been charged XXXX late fees starting from XX/XX/XXXX. 
I contacted Wells Fargo multiple times to resolve the issue. During my first call, I was informed that research would be conducted and that I would be contacted with an update. When I called back a week later, I was advised that if I paid the {$190.00} shortfall, my XXXX payment could be properly applied. I promptly made the payment and was instructed to call back in 34 days. However, when I called again, I was informed that the adjustment could no longer be made because it was " out of window. '' At this point, I am facing two major issues : 1. I now need to cover the equivalent of an additional full payment.

2. I have been charged multiple late fees and although I requested a full waiver, only one of the four fees was refunded.

Given my consistent payment history over the past 11 years at this residence, I respectfully request that Wells Fargo reconsider and waive the remaining late fees. Aside from occasional minor shortfalls due to escrow adjustments, I have never missed a full payment. 
I am requesting fairness in this process and sincerely hope for a favorable resolution. 
Thank you for your time and consideration. 

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I Disputed a credit collection on XX/XX/year> through the Agency Genesis XXXX XXXX for {$690.00} and the credit bureaus did not receive any proof or a response system from the agency. The dispute request is still sitting at unknown, I do not know what this collection is for. I request for this to be removed within 4 business days or legal action will begin against this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have a physical US Bank Rewards card, but it has expired. I am attempting to access the funds on that card, but since I do not know the original amount that was on the card, US Bank refuses to send me a new, non-expired card. They do not have an escalation process either to a specialist that can help resolve my issue. 

At this point, they have stolen my money and are refusing to return it.

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 monetary relief