vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX XXXXXXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX XXXXXXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX  XXXX XXXX  Account Number : XXXX * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I told them I was not aware of the situation and to remove it from my credit they hung up on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
my name is XXXX XXXX, I currently hold an account with paypal which i have been using for many years with the email XXXX, recently they have permanently locked my account as soon i left a balance in my wallet and they have told me i need to wait 180 days to access my account, i have provided the verification they required and they have yet since not made any changes but i think it is unlawful to close someones account and withhold their money for 180 days. all my funds have come from legitimate sources in the usa and XXXX and can be traced easily. They gave no prior warning that they would do this and its very hard to contact them about this issue or have it resolved.I think also something should be done so paypal tells customers way in advance what will happen clearly if they will do something like this, as for now they have stalled my plans and i have so many bills coming at the moment, to know that paypal, such a massive company can ruin someones life so easy without any conseqences is just appauling, i would love to have some help with this matter, thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: WA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CT

Complaint narrative:
In XX/XX/XXXX, a few years ago I purchased a bed from XXXX XXXX I was going to use my store card or just use my debit card depending on the cost. I met with a sales rep and explained I need an XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The sales rep asked what my limit was on the card and I told him {$1000.00}. He called the Synchrony Bank and asked for the limit to be increased to {$5000.00}. Someone from the bank must of thought it was fraud because they hung up the first few times and we had issues getting through. The sales rep called back and asked for {$3000.00}. He apologized to me because he never asked me what I wanted to increase my amount to, he just started at {$5000.00} on his own. I told this guy I was a XXXX XXXX XXXX  None of this mattered, he just saw a commission. I guest he felt there were XXXX XXXX women in the store and he was going to cash in. So I did get an increase after a few calls were made. There was a promotion that was fully explain at all. The rep focus was the sale. I was told the delivery men would be professional who knew a lot about the installation of the adjustable bed. I was told to tell them to adjust it to the lowest height. The XXXX XXXX men who came to my home were unprofessional, tried to ask my niece out who was only XXXX at the time and the delivery drivers were in their XXXX! How disgusting and unprofessional. 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 
There was an interest charge that appeared on the bill in XX/XX/XXXX. I called to ask about the charge. I told the customer service rep the charge wasnt fully explain and no notification was given that this charge would appear. The rep said if my remaining balance was paid, the interest would be removed but it had to be paid by XXXX XXXX and I did. I spoken with someone after I paid and they will not remove the interest charge of over {$1400.00}. Worst experience ever with any card company. Because of my own experience and the thousands of complaints online, I dont know how this company is still open. Ive closed all of my credit cards with this company. I will never open another account with this bank and I will not buy from 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 monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I have a problem with my credit score because my payment history is showing 99 %. I've always had 100 % payments. I leased a Genesis back in XX/XX/2021. It was a 36 month lease. I paid every payment on time. I turned in my vehicle because I was leasing a new car with a different brand. At the dealership I asked to pay the disposition fee and any fee they would address. They told me that they had to access and would send me a bill. 

2 months went by and I got nothing. Finally I got a bill in the mail that there was wear and tear and disposition fee was around {$450.00}. My car payment was {$700.00} per month so this was no issue. I logged onto the Hyundai Genesis finance website and there was no place to pay this as it used to be. I called the phone number on the statement and nobody answered. I called over XXXX times, left multiple voicemails and couldn't get anybody. I thought maybe it just didn't load on the website. Another month went by and they sent another statement. Same problem, wasn't on the website and they wouldn't answer the phone. There was no way I could pay. 

Finally after calling well over XXXX times, I called the corporate number on line, got transferred XXXX different times and finally spoke to somebody. They said that I can't pay online and how to process over the phone which is very inconvenient. I did so and paid. Then I get notified that it was reported to credit bureau that I never paid. So I had to call back and they said they were resolve it. Now it has shown for past 3 months on my XXXX XXXX that I'm 99 % and they counted as a late payment even though all payments for lease were paid and this was the disposition fee. Very frustrating process. My XXXX XXXX dropped from XXXX to XXXX and I'm wanting to refinance my home. Very inconvenient. I tried to dispute through XXXX XXXX but no luck there so I don't know what else to do. I called Genesis finance to see if they can change it but somebody is answering. 

I am hoping this can be taken off my credit report and show 100 % and be resolved.

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 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: IN

Complaint narrative:
I have been making weekly payments of {$150.00} to my RV installment loan at M & T Bank since XX/XX/year>. Instead of applying the additional payment amount to the principle of the loan, during the monthly billing cycle, M & T Bank keeps moving my payment due date forward. I had a call with M & T Bank and the financial XXXX from XXXX XXXX XXXX before I took this loan and was assured this would not happen. I was assured that ALL additional funds would be applied to principle during the monthly billing cycle. They are effectively preventing me from paying down my loan in order to collect as much interest as possible. They will claim that I am paying my loan off earlier because the payment date is continually moved forward, but that is NOT the agreement I was made to believe. I am paying off the loan earlier, but NOT paying less interest. I was 100 % lead to believe that all the payments I made in a monthly billing cycle would be applied to THAT MONTH ONLY and ALL ADDITIONAL FUNDS WOULD BE APPLIED TO PRINCIPLE!

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 2025-04-25 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-25 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. the following alleged account listed as a collection with a past due balance of XXXX Account # XXXX This is a violation of the FCRA and is violation of requisite METRO 2 Compliant reporting standards. According to the fair credit reporting ACT I HAVE the right to a fair and accurate credit report, and required to remove any information that is not true, accurate, and verifiable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or REMOVE. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-04-25 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-25 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: NJ

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: SC

Complaint narrative:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent account have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent account that I would appreciate being addressed XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$180.00}

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 explanation
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CO

Complaint narrative:
TransUnion has violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), by failing to use reasonable procedures to ensure the maximum possible accuracy of my credit report. 

Several accounts that I settled now show a XXXX balance, yet TransUnion continues to report them inaccurately as : Charge-offs Accounts in collection Paid for less than full balance or profit and loss write-off Ongoing negative notations despite being resolved These inaccuracies misrepresent the status of my accounts and have harmed my credit standing. 

In addition to federal law, this reporting also violates the Colorado Consumer Credit Reporting Act ( CCCRA ), C.R.S. 5-18-101 et seq., which requires credit reporting agencies operating in Colorado to report accurate and up-to-date credit information. TransUnions continued failure to correct these errors, even after being notified, may also constitute unfair or deceptive acts under Colorados Consumer Protection Act ( C.R.S. 6-1-101 et seq. ). 

Relief Requested : I respectfully request the CFPB ensure that TransUnion : 1. Corrects all inaccurately reported accounts to reflect : {$0.00} balance Settled or paid-in-full status Removal of all inappropriate derogatory notations ( collections, charge-offs, etc. ) 2. Complies with both FCRA and Colorado state credit reporting laws.

3. Provides written confirmation of the corrections.

4. Reviews and improves its internal procedures for verifying account accuracy.

5. Offers compensation for any credit damage, lost financial opportunities, or emotional distress caused by the inaccuracies ( if applicable ).

6. Stops further violations of federal and Colorado state consumer protection laws.

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 2025-04-25 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or REMOVE. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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