vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I have tried updating my income with MOHELA since XX/XX/XXXX, ever since my household went from 2 incomes to 1. On XX/XX/XXXX, they finally processed my income-driven repayment application and placed me on a higher payment plan ( {$230.00}, moving to {$270.00} in XX/XX/XXXX ), higher than what was due when I had two incomes to pull from ( {$230.00} ). They also didn't place me on the plan that I had asked to be placed in ( they kept me on XXXX, when I wanted to move to XXXX ). 

They are impossible to contact - phone wait times are 2-4 hours long, and their online messaging system is ineffective. When I am able to reach someone, they just assure me that things will be taken care of, but they aren't. They just give me platitudes. I urge you to research how MOHELA is handling the student loans of XXXX 's public servants. They are completely mismanaging everything. I appreciate you and your office 's time and attention on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any
written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-19 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: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any
written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
Please see supporting documentation pertaining to Equifax Data BREACH.

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 2025-02-19 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: PA

Complaint narrative:
Please see supporting documentation pertaining to Equifax Data BREACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-02-19 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: Millco Management
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, a letter from advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, a letter from advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX account was scammed. My Bank of America Debit Card is linked to my XXXX XXXX account. Therefore, when the funds were taken from XXXX XXXX because of my card being linked to my XXXX XXXX account the charges were debited to my bank card. XXXX XXXX informed me they could only refund the XXXX XXXX amount taken from my XXXX XXXX but could not refund me what was taken from my bank account ; I had to contact my bank. 

I initially received from XXXX XXXX a text from a person pretending to be XXXX XXXX associate that resulted in the scammed transactions. I responded to the communication and the individual identified himself as XXXX XXXX ID # XXXX out of XXXX, NJ. I filed a police report regarding this issue. The police report number is XXXX ; XXXX XXXX - XXXX number XXXX was the officer that took the report on XX/XX/XXXX. I did not authorize or gave anyone authorization to make the charges against my XXXX XXXX account that is linked to my Bank of America Debit Card. After filing a claim with the bank for unauthorized charges, the bank credited my account for the {$500.00} stolen from my account on XX/XX/XXXX. 

On XX/XX/XXXX the bank reverse the credit of the {$500.00} stating disapproval of my claim. The bank stated I authorized or gave authorization to someone to make the charges against my account. I disagree with your findings and request that you credit my account of the {$500.00} that was debited against my Bank of America Debit card. After a phone conversation with a Bank of America Associate i was instructed to fax a letter regarding my disagreement to their findings. I faxed the letter and the results of the reversal of the credit remained. I am requesting that the {$500.00} stolen from account be return. 

***I am not able to upload the letters I received from the bank. I can fax copies if you need them.

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 2025-02-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: MS

Complaint narrative:
I was recently awarded benefits from the Dept of XXXX XXXX which were deposited onto a XXXX XXXX card. I have tried multiple times unsuccessfully to transfer these funds into my own personal bank account. After encountering difficulties with this process, I called the XXXX XXXX customer line and was unable to resolve the issue even after escalating the call to a supervisor. 

The information XXXX XXXX requested has been emailed to the address they provided ( XXXX ) three times without a response on if the request was received, accepted or even denied. At the time of filing this complaint, I am unable to fully access my own money. XXXX XXXX seems intent on denying me that right. The issue remains unresolved after speaking with 3 different agents, one being a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: LEXISNEXIS
State: IN

Complaint narrative:
I am writing to file an urgent complaint against LexisNexis for their refusal to correct inaccurate bankruptcy information on my credit report, despite substantial evidence demonstrating the error. 

Background : Bankruptcy Details : A bankruptcy was filed under my name but was dismissed on XX/XX/year>, and subsequently terminated on XX/XX/year>, due to my failure to submit required information. 

XXXXXXXX XXXX Response : Upon reviewing my dispute and the provided documentation, XXXX promptly removed the erroneous bankruptcy entry from my credit report. 

LexisNexis 's Response : In contrast, LexisNexis continues to report the bankruptcy, asserting its accuracy despite receiving the same documentation that led XXXX to correct their records. 

Documentation Provided to LexisNexis : Letter from Bankruptcy Court : Confirming that the court does not report information to credit reporting agencies. 

XXXX  Report : Indicating the bankruptcy was both dismissed and terminated due to incomplete information. 

TransUnion Confirmation : Verifying the removal of the bankruptcy from my credit report. 

Legal Framework : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., consumer reporting agencies are mandated to ensure the accuracy and completeness of the information they report. Specifically, the FCRA requires that inaccurate, incomplete, or unverifiable information must be corrected or deleted promptly. Failure to do so not only violates federal law but also causes significant harm to consumers. 
CONSUMER FINANCIAL PROTECTION BUREAU Request for Immediate Action : I urge the Consumer Financial Protection Bureau to : Investigate LexisNexis : Examine their failure to comply with FCRA requirements by not correcting the inaccurate bankruptcy information on my credit report. 

Enforce Compliance : Mandate that LexisNexis remove the erroneous bankruptcy entry to prevent further damage to my creditworthiness. 

Monitor Practices : Ensure that LexisNexis adopts procedures to prevent future occurrences of similar issues, safeguarding consumers ' rights to accurate credit reporting. 

Enclosed are copies of all relevant documentation for your review. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the integrity of consumer credit reporting. 

Sincerely, XXXX XXXX Enclosures : Letter from Bankruptcy XXXX XXXX Report XXXX XXXX LexisNexis 's Response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I do not recognize the following findings XXXX XXXX XX/XX/XXXX SYNCB/TJX DC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-02-19 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: General Motors Financial Company, Inc.
State: ME

Complaint narrative:
I do not recognize the following findings XXXX XXXX XX/XX/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 2025-02-19 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: AZ

Complaint narrative:
To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL previous letters to you, all by certified mail requesting that you remove inaccurate PAYMENT HISTORY information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a 3 % cashback card from Paypal by Snychrony. I used that card often and always paid it off in full right away, within XXXX days of seeing the balance reflect on my account. I never missed a payment and never exceeded my limit. They decided to close my account with no justifiable reason and only gave me a vague " Risk to pay card '' as a reason. I've had no changes in my personal credit or income. They closed this account only because I was accruing cash back and not paying any interest as I was a pay in full customer. 

Now, I can not view my account to see my statements for my accountant and I can not access any of my ~ {$900.00} rewards that were accumulated. They stated that if they close my account, the rewards are forfeited. This is theft. I used their product only because of the rewards offered and I would have used a different card if I would have known this risk. From my understanding, rewards can not be taken from a consumer unless specific policies were violated, which I did not do.

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