vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my Experian and Equifax credit report, and I noticed some late payments on my credit report. 

Account Name : XXXX XXXX XXXX Account XXXX : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, This agency is in violation of 15 USC {$1600.00} .

I was never late on this account.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

I am giving your company 10 days to respond to this matter.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I reached out today XX/XX/XXXX  and asked for a validation of the debt be sent to me. The agent wanted ne to provide personal information such as full ne, address, social security number. I explained that was neccessary for them to provide the requested information I was seeking. The agent than proceeded to hang up on me. I tried to call back to no avail.

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 2025-05-20 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-20 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
These accounts and inquiries are involved in XXXX  and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-05-20 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My invoice due on XX/XX/XXXX was for {$710.00}. I first made a payment of {$400.00} on XX/XX/XXXX and then another payment of {$400.00} on XX/XX/XXXX. I contacted PNC initially on XX/XX/XXXX, because the payment for {$400.00} from XX/XX/XXXX was not applied to my XX/XX/XXXX invoice, instead they marked it as principal only payment and my online account was showing I still owed {$310.00} for XXXX. The rep I spoke to on XX/XX/XXXX, advised they would correct the payment to the invoice and it should show completed in a week. I contacted PNC again on XX/XX/XXXX, as I noticed that the payment was not corrected. The rep advised they would submit the request again to correct and confirmed I would not be charged any late fee and that this will be corrected in 3 days. On XX/XX/XXXX, I had to contact PNC again as no correction was made and instead they transferred the amount of {$310.00} now to my XX/XX/XXXX payment. The first rep I spoke to placed me on hold and then disconnected the call. I had to call back again and the second rep I spoke to you, just transferred me to a call center outside the XXXX. The rep again said they would escalate this and confirmed I would not be charged a late fee. Today on XX/XX/XXXX, I once again have contacted PNC about this as they are now charging me a late fee of {$71.00} that was added to equity line on XX/XX/XXXX. The rep I spoke to today advised now they can not make this correction and I now owe {$1000.00} for XX/XX/XXXX. I have made this payment timely and even paid more that what was owed and PNC is refusing to fix their error and I am now having to pay a balance that was already paid again in XXXX. I have requested to speak with a supervisor and have someone reach out, but nobody follows up nor gives me a call. I received XXXX call from PNC on XX/XX/XXXX from XXXX at XXXX, but as soon as I picked up the person disconnected the call. They are making an attempt to look as if they have called, but just hang up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing this complaint to dispute companies from using my personal information to be approve for credit, having organizations to make a decision for work and not holding on to this information for some time. Please remove this sort of information to NOT linger over me for the years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I am filing this complaint to dispute companies from using my personal information to be approve for credit, having organizations to make a decision for work and not holding on to this information for some time. Please remove this sort of information to NOT linger over me for the years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DE

Complaint narrative:
I received the below text message on XX/XX/XXXX. I have never had an XXXX XXXX  Card or any XXXX  card issued by the XXXX XXXX XXXX. This is a fraudulent attempt to collect debt. The phone number to which this text was sent has been mine since XXXX. 

This text is from XXXX XXXX, a debt collector regarding your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - for which the current creditor is JEFFERSON CAPITAL SYSTEMS XXXX ) account. Visit https : XXXX  Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates XXXX apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. XXXX XXXX # XXXX Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Ive been with capital for 2 Years and my first time using mobile deposit for a payee they put restrictions on my account keep telling me I have to come to a branch to verify myself when they know I live nowhere near a branch I keep talking to the same representatives everyday and they are holding XXXX dollars of my money and will no close my account I have recording proof of fake representatives

Company response to consumer: Untimely response
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
Subject : Identity Theft Notification and Request for Removal of Fraudulent Inquiries and Accounts Dear TransUnion Dispute Department, I am writing to formally notify you that I am a victim of identity theft. I recently reviewed my credit report and discovered several fraudulent accounts and inquiries that I did not authorize. These accounts and inquiries are the result of identity theft, and I am requesting their immediate removal from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which entitles identity theft victims to block such fraudulent information. 

The fraudulent accounts and/or inquiries I am disputing are listed below XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) FRAUDULENT INQUIRIES THAT NEED TO BE REMOVED/BLOCKED : XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX  Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXXXXXX XXXX Reported on XX/XX/XXXX XXXX XXXXXXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX  Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX  Reported on XX/XX/XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX  Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX on XX/XX/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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My email address was hacked and the hackers used it to authorize my crypto exchange accounts. They drained my accounts and while they were in my Coinbase they initiated a {$3000.00} paypal purchase of more crypto. I notified my bank, paypal, and coinbase within hours of the hack. The paypal transaction was canceled on my banks end ( XXXXXXXX XXXX ) and paypal let it go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
I am requesting the removal of a late payment reported on my credit report, which I believe is either inaccurate or unfairly reported. The late payment in question was reported by American Credit Acceptance on XX/XX/year> and appears on my credit report from XXXX XXXX XXXX XXXX 

I have contacted the creditor and/or credit bureau to dispute this late payment, as I have made the payment on time as agreed with American Credit Acceptance . Despite providing supporting documentation, the late payment remains on my report.

This late mark is negatively affecting my credit score, and I believe it does not reflect my overall payment history or intent. I respectfully request that the CFPB review this matter and assist in having the late payment removed or corrected. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a XXXX of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a XXXX of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase locked my account and did not allow me to re-access it. I have a little over {$100.00} in my account but they will not allow me to transfer that money to my bank or even access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I like to file a complaint against Equifax, Experian, and Transunion for reporting these accounts on my credit profile I did not give permission to furnish my credit report with these negative items " Deptednelnet '' Several class action lawsuits have been filed against XXXX, a major student loan servicer. These lawsuits allege various misconducts, including : 1. Miscalculation of Income-Driven Repayment ( IDR ) Plans : One lawsuit claims XXXX miscalculated monthly payments for borrowers on income-based repayment plans, leading to higher payments than required.

This miscalculation reportedly impacted a borrower 's ability to qualify for a mortgage due to an inflated debt-to-income ratio. 
The XXXX article mentions that the lawsuit aims to cover all consumers with West Virginia addresses who were impacted by this miscalculation. 


XXXX. Breaching Servicing Agreements and Violating Laws : Another lawsuit, filed by, alleges that XXXX breached its servicing agreement with the federal government. 
This lawsuit claims that student borrowers are intended third-party beneficiaries of the agreement and were harmed by XXXX 's XXXX. 
It also alleges that XXXX violated state and federal laws in its loan servicing practices. 


XXXX. Failure to Provide Adequate Notice Regarding IDR Recertification : The Massachusetts Attorney General 's Office reached a settlement with XXXX for {$1.00} XXXX due to allegations of failing to adequately communicate with borrowers about maintaining access to affordable payments. 
Specifically, the investigation found that XXXX 's communications between XXXX and XXXX failed to comply with federal regulations regarding notice of IDR recertification deadlines.

4. Misleading Borrowers and Falsely Reporting to Credit Bureaus : A XXXX thread suggests that borrowers have experienced issues such as misapplied payments, inflated balances, and false reporting to credit bureaus. 

These accounts must be removed from my credit report, they're showing a payment history which is INVALID I never paid a student loan a day in my life which means this is inaccurately reporting.

Note : It is important to note that class action lawsuits are ongoing legal proceedings, and the allegations have not been proven in court. not to mention the Ferpa violation, and XXXX violating student education records, Tax data, and personal information. XXXX has violated ferpa by accessing student loan data. 

Please handle this investigation properly thank you for you attention and time. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation