vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Synovus Bank
State: SC

Complaint narrative:
In XX/XX/XXXX, I purchased a {$25000.00} lifetime license from XXXX, a company promoting an advanced voice conversational AI platform. This license included full platform functionality, an outbound sales dialer, a database of XXXX exclusive leads, and white-glove support, along with a 100 % satisfaction guarantee contingent upon meeting specific engagement metrics. 

Problems Encountered : Platform Instability : Shortly after the purchase, the platform exhibited significant issues, such as dropped calls, unresponsive voice agents, and unreliable AI responses. 

Misrepresented Capabilities : The AI was advertised as having real-time internet access ; however, it operated with a six-month data lag, rendering it ineffective for current information retrieval. 

Feature Withdrawal : The promised outbound sales dialer was discontinued without prior notice or explanation. 

Undelivered Leads : Despite assurances, the XXXX exclusive leads were never provided. 

Lack of Support : The dedicated support channels became inactive, and company representatives ceased communication. 

Refund Request and Company Response : After fulfilling the engagement requirements, I requested a refund based on the satisfaction guarantee. The company deferred action, citing an upcoming " XXXX XXXX '' release, which never materialized. Subsequent attempts to contact the company were unsuccessful, leaving the issue unresolved. 

Interaction with Synovus Bank : Initial Contact : In XX/XX/XXXX, I approached Synovus Bank, which financed the purchase through a Home Equity Line of Credit ( HELOC ), to dispute the transaction, citing fraud and breach of contract. 

Bank 's Response : Bank representatives informed me that disputes beyond a 60-day window were ineligible, referencing Regulation E, which pertains to electronic fund transfers.

Appeal : I highlighted that the Truth in Lending Act ( TILA ) Section 1666 ( 15 U.S.C. 1666 ) requires creditors to address billing errors, including undelivered services, even beyond 60 days when fraud is involved. Despite presenting this information, the bank maintained its denial. 

Current Status : As of XX/XX/XXXX, I have not received an official denial letter from Synovus Bank. After multiple communications and an appeal, the bank has verbally denied my dispute without providing a detailed written explanation. 

Desired Resolution : I seek the CFPB 's assistance in : Compelling Synovus Bank to conduct a thorough investigation into my dispute, in compliance with TILA requirements. 

Facilitating a resolution that includes a refund of the disputed amount due to XXXX 's fraudulent practices and breach of contract. 

By providing this detailed account, I aim to illustrate the challenges faced and the necessity for regulatory intervention to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit reports under the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit reports from both Experian and Equifax, and I have found inconsistencies regarding my XXXX account XXXX Account Number : XXXX ). 
The discrepancies are as follows : Late Payments : Experian reports three 30-day late payments, while Equifax indicates three 60-day delinquencies.

Account Closure Date : Experian lists the closure date as XX/XX/year>, whereas Equifax states XX/XX/year>. 
Payment History Discrepancies : The reports do not align on when late payments occurred or if they were reported accurately. 
Under the FCRA ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into this matter and for the inaccurate information removed if it can not be verified. Please provide documentation verifying the accuracy of the late payments and closure date, or update my credit file. 
I have attached copies of my Experian and Equifax credit reports highlighting the discrepancies. Please investigate this matter and provide a written response within 30 days as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response confirming the corrections. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit reports under the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit reports from both Experian and Equifax, and I have found inconsistencies regarding my XXXX account XXXX Account Number : XXXX ). 
The discrepancies are as follows : Late Payments : Experian reports three 30-day late payments, while Equifax indicates three 60-day delinquencies.

Account Closure Date : Experian lists the closure date as XX/XX/year>, whereas Equifax states XX/XX/year>. 
Payment History Discrepancies : The reports do not align on when late payments occurred or if they were reported accurately. 
Under the FCRA ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into this matter and for the inaccurate information removed if it can not be verified. Please provide documentation verifying the accuracy of the late payments and closure date, or update my credit file. 
I have attached copies of my Experian and Equifax credit reports highlighting the discrepancies. Please investigate this matter and provide a written response within 30 days as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response confirming the corrections. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit file related to my XXXX XXXX account ( Account Number : XXXX XXXX ). Upon reviewing my credit reports, I noticed a material discrepancy in my payment history between Experian and Equifax. While Experian reflects a single 30-day late payment in XXXX, Equifax inaccurately reports a 60-day late payment in XX/XX/XXXX, which is factually incorrect and detrimental to my credit standing. 
Legal Basis for Dispute : Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), data furnishers are obligated to report accurate information. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information.

Furthermore, the FCRA, 15 U.S.C. 1681e ( b ), requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. The conflicting data between Experian and Equifax indicates a clear failure to maintain accuracy. 
Additionally, under XXXX XXXX TransUnion Corp., 115 F.3d 220 ( 3d Cir. XXXX ), courts have ruled that credit bureaus must do more than merely parrot information from furnishersthey must conduct meaningful investigations. Given that Experian and Equifax report different information, it is evident that at least one of these bureaus is reporting inaccurate data. 
Requested Action : I formally request the following corrective measures be taken : Conduct an immediate reinvestigation of the XXXX XXXX accounts payment history. 
Remove the inaccurate 60-day late payment entry for XX/XX/XXXX. 
Provide me with a written confirmation of the investigation results and any updates to my credit report. 
If the disputed information is verified as accurate, provide a detailed explanation of how this determination was made, including the name and contact details of the data furnisher. 
Supporting Documentation : I have attached the following : A copy of my Equifax and Experian credit reports highlighting the discrepancy. 
Failure to address this issue within the statutory 30-day timeframe will leave me no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue all legal remedies available under the FCRA, including statutory and punitive damages for willful noncompliance under 15 U.S.C. 1681n.

I appreciate your prompt attention to this matter and look forward to your response. Please provide all correspondence in writing. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-06 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: TX

Complaint narrative:
Please remove these hard inquiries and accounts from my credit report, i do not recognize any of the fraudulent accounts

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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC
State: IL

Complaint narrative:
I File dispute letter with the credit bureau also with the CFPB about this debt. The debt collector responded back to the CFPB stating that they had no knowledge of the debt that is on my credit report however the credit bureau ( XXXX ) Is still reporting this debt ( Global lending services ) I ask the credit bureau XXXX to delete that account immediately after XXXX disputes I have put in about this debt and still the account is been reported also after I filed the complaint with the CFPB and they still have not giving a response to that complaint as well I have no knowledge of this debt that is hindering my creditworthiness. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT, XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S.

Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent.

This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.

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 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Reference XXXX I am writing to formally dispute the validity of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. I request that you provide me with ALL of the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including a breakdown of any fees or interest accrued.

3. Proof that you have the legal right to collect this debt.

4. Copies of any documents showing I agreed to pay the amount you seek to collect.

Provide any information regarding the date the debt was incurred and the date of the last payment made on this account. 
I also request that you cease all communication regarding this debt until you have provided the requested documentation. If you can not provide the necessary documentation, I request that you cease all collection activities. 
Please be advised that any failure to comply with the FDCPA and provide the requested information within 30 days will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I will seek legal advice to ensure my rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I got 3 loans from XXXX XXXX in the XXXX XXXX XXXXXXXX. One for XXXX XXXX one for {$1000.00} and the last for {$1700.00}. XXXX XXXX switched over to XXXX  I'm not sure when. But they kept putting my account in forbearance and increased the interest. So now the XXXX is {$3100.00}, the {$1700.00} is now XXXX and the XXXX is XXXX. I haven't even made a single payment because of the forbearance and now I owe way more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MO

Complaint narrative:
I have reviewed my credit report and found an error that must be corrected. In accordance with the XXXX XXXX XXXX, an unpaid charge off qualifies as income and according to FCRA, income can not be reported on a credit report. I'm requesting a XXXX ( cancellation of debt ) from the following charged off account : XXXX I have provided documentation to confirm that this account has been sold to different entitie for collection. XXXX has sold this account to XXXX XXXX, which is a third party, and therefore can not be reported as a chargeoff on my credit report. Please send the requested XXXX form.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I discovered an account with XXXX XXXX that I never opened or authorized. I am a victim of identity theft and did not receive any physical card. I immediately filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this fraud. I have also previously requested debt validation from the collection agency handling this account, but I have not received adequate verification of the debt. I am requesting that the credit reporting agencies investigate and remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation