vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
I have roughly {$320000.00} in student loans. I applied to consolidate my loans and enroll in the SAVE plan WELL before the federal court injunction date of XX/XX/XXXX that paused the SAVE plan. My consolidated loan was disbursed on XX/XX/XXXX. However, MOHELA did not " receive '' my SAVE application until XX/XX/XXXX even though the consolidation and SAVE application were submitted together. Because this was 2 days after XX/XX/XXXX, they told me that this was the reason I could not be placed in the general forbearance that all my colleagues have been placed into where interest does NOT accrue while in forbearance. Initially, I was automatically placed in the standard repayment plan and started getting hefty bills. I was able to reach them a couple of times around XXXX but they said there was nothing they could do about my situation except place me in a processing forbearance where payments were in deferment but interest continued to accrue. To this day ( XX/XX/XXXX ) I have had daily interest accrual on my loans and have paid over XXXX in trying to keep debt down. Meanwhile I have been told financial counselors that all applicants to the SAVE plan should be in the general forbearance without interest accrual. But nothing has changed on my loan status. I am a busy XXXX XXXX XXXX and don't have the luxury to keep calling MOHELA to wait for 1.5 hours on hold to speak to someone there. I feel completely in the dark about what is going and that I am being taken advantage of in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-21 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: WA

Complaint narrative:
( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX  XXXX XXXX on XX/XX/XXXX Account number ( XXXX  ) a personal credit card opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX  Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-21 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: WA

Complaint narrative:
( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX Account number ( XXXX  ) a personal credit card opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light in the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders toto exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My lease which has started on XX/XX/XXXX  has disappeared from my credit report in XX/XX/XXXX  and has not shown up since. Ive checked all credit bureaus : XXXX, XXXX, & TransUnion and my lease or payment history is not shown. This is effecting my credit score and payment history, plus it has drastically dropped my score due to the hard inquiries Ive received when applying for said lease. My objective is to have my loan/payment history updated with the CORRECT information and also have said inquiries removed permanently.

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 2025-01-21 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: MI

Complaint narrative:
My lease which has started on XX/XX/XXXX  has disappeared from my credit report in XX/XX/XXXX  and has not shown up since. Ive checked all credit bureaus : Equifax, XXXX, & XXXX and my lease or payment history is not shown. This is effecting my credit score and payment history, plus it has drastically dropped my score due to the hard inquiries Ive received when applying for said lease. My objective is to have my loan/payment history updated with the CORRECT information and also have said inquiries removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MI

Complaint narrative:
My lease which has started on XX/XX/XXXX  has disappeared from my credit report in XX/XX/XXXX  and has not shown up since. Ive checked all credit bureaus : XXXX, Experian, & XXXX and my lease or payment history is not shown. This is effecting my credit score and payment history, plus it has drastically dropped my score due to the hard inquiries Ive received when applying for said lease. My objective is to have my loan/payment history updated with the CORRECT information and also have said inquiries removed permanently.

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 2025-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I spoke with XXXX XXXX, representative from National Credit Systems on XXXX XXXX. I contacted this person with given number XXXXXXXX XXXX XXXXXXXX. I requested a copy of signed lease with original creditor XXXX XXXX XXXX  with my actual signature. The information that was given to me from original creditor XXXX XXXX XXXX, signatures on document are all identical signed by each person listed, including landlord. I never signed an agreement with the original creditor, signature listed is not my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: IL

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I took out a personal line of credit on XX/XX/XXXX. They barely explained the billing cycle charge, but it now takes up most of my biweekly payments and does not go towards the principal amount. The issue now is that barely any of my {$1400.00} a month payments on my {$5000.00} balance are going towards the principal. For example, I drew {$620.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX. Therefore, my outstanding balance was {$720.00}. On XX/XX/XXXX, my billing cycle charge was {$27.00}. On XX/XX/XXXX, I drew and additional {$1300.00} and my outstanding balance became {$2100.00}. At that time, my billing cycle charge became {$100.00}. On XX/XX/XXXX, I paid {$100.00}, then on XX/XX/XXXX, I drew {$3000.00}. At the next billing cycle on XX/XX/XXXX, my bill became very confusing. My previous balance of {$2100.00} was added to my latest draw of {$3000.00} but my {$100.00} payment towards my billing cycle charge was not accounted for before the new billing cycle charge was calculated. As a result, I was assessed a {$200.00} billing cycle charge on {$5100.00}, rather than on {$2100.00} less my principal payment. This has continued. It makes no sense that a {$720.00} principal balance can have a {$27.00} billing charge, whereas a {$5000.00} principal balance balloons to over {$300.00}. Now, I have made payments in the amount of {$2400.00}, but still have a balance of XXXX. My latest payment was due on XX/XX/XXXX, which I made on XX/XX/XXXX. There is no grace period, despite the billing cycle being from XX/XX/XXXX, to XX/XX/XXXX. Now, I no longer have access to the line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Synchrony CareCredit via chat on their website to inquire about a charge for {$2700.00} on XX/XX/XXXX. I had not seen the charge up until that point because I had not checked my account nor seen account statements, and my account was on auto pay. After speaking with an associate, it turned out that this was deferred interest accruing during the card 's promotional period. It was all charged at once on XX/XX/XXXX. I was not aware of this. The associate ( XXXX, no last name given ) stated ( in writing, I can provide screen shots ) that if I pay the remaining balance {$3400.00} on that day, they would waive the interest fee and my account balance would be {$0.00}. I agreed and made the payment. The balance did not reset to {$0.00} and still showed the outstanding {$2700.00}. I called and spoke with an Account Manager ( the did not say their name ). They stated that they could not honor that agreement. I requested that they review the chat logs to see the agreement propose by the chat associate. They stated that they would put in a request to do so and stated that they could not access the chat logs themselves. I called back on XX/XX/XXXX and got XXXX ( Account Manager, no last name given ). He advised that there was nothing he could do, he could not see the chat logs, and stated that they would not honor the agreement proposed by the Synchrony associate. He stated that my only course of action would be to contact their corporate office. I can provide screenshots as proof of everything I've stated here. I've made the payment of {$3400.00} and still have a remaining balance of {$2700.00}. I want Synchrony to honor the agreement their associate proposed in writing. I've attached the screenshot of their associate 's offer. I can send the remaining screenshots of the conversation as well to a case manager.

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 2025-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: MI

Complaint narrative:
- I ordered items online in late XXXX, and in early to mid XXXX I made several returns. 

- I was unable to get ahold of the company I purchased these items from. 

- I opened a dispute with Sezzle myself after failing to via their customer service portal. ( less than 2 weeks ago ) - I waited for Sezzle to contact me. They did not contact me until I got an email that the dispute was closed because they had not received any additional information. No additional information was requested- even the emails listed a blank for the reason the dispute was closed. The only way I learned of additional information was when a customer service rep demanded a lengthy list of items be sent to them via the chat feature. 

- Customer service admitted there is no way to reopen my dispute or postpone payments. 

- {$200.00} in payments were expected to resume about 20 hours after the email explained my dispute was closed. 

- Customer service said that I can't access the dispute anymore because it's closed so it no longer exists - I can't open another dispute. 

- Sezzle does not have phone support. If you call their phone number it directs you to use the live chat feature. 

- After trying all day to get ahold of a supervisor via the live chat features, I am now blocked from using the live chat feature - I can send messages, but there is no response, and I can't reset the chat to find another customer service rep. 

- I emailed Sezzle and 24 hours no response. 

- Sezzle has no longer been in contact with me. 

- I am going to block payments to them and cancel my debit card, and will likely report the original business I purchased from to the FTC after this unless they contact me by phone immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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/year>

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 2025-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This debt is incorrect the charges are for XX/XX/year> and we moved out of the apartment on XX/XX/year>. XXXX XXXX gave me the option to move out with lease termination which is the option that I took because XXXX XXXX couldn't prove that there was no mold in XXXX XXXX 
The debt needs to be removed because there was clear notice that if XXXX  XXXX was not livable meaning without mold then we could not live in the unit, XXXX XXXX could not prove this so me and my family could not move into that unit, this is the amount of {$2100.00}. I also asked for a month to month lease if we did move to another unit and XXXX XXXX could not provide that either. I have sued XXXX XXXX XXXX XXXX and have come to a settlement. I should not be responsible for these charges.

Company response to consumer: Closed with non-monetary relief