vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally request that you update my credit report to reflect the accurate and complete status of a debt account that I have fully satisfied. Please report the account as " Paid in Full '' and " Closed '' to accurately reflect the resolution of this matter and demonstrate my positive payment behavior. 

This information is vital for the completeness of my credit profile, and I am requesting your cooperation in verifying and reporting it under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: LA

Complaint narrative:
Account NTL Recovery Agency # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature, if not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
On XX/XX/XXXX, I received a semi-annual dental cleaning and exam. I XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. When I returned home XX/XX/XXXX, I received a bill for the XXXX services. I called the dental office on XX/XX/XXXX, and found they failed to code the bill to insurance with a dental readiness classification. I clarified the information the office needed and I was assured it would be resolved and the bill paid by insurance. 

On XX/XX/XXXXXXXX XXXX  I was notified TSI was attempting to collect this bill. When I called the dental office, I was advised a, " glitch in the system, '' referred my bill to collection and the office did not intend to send my bill to collection. 

On XX/XX/XXXX, I call both TSI and the dental office and disputed the debt, demanding verification of the debt. No information was provided. I called both TSI and the dental office again on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, disputing the debt and demanding verification. No verification was provided. 

During my telephone call with the dental office on XX/XX/XXXXXXXX XXXX I learned the front desk was not communicating with the billing department of the dental office. I further learned that while the front desk kept telling me, " a glitch in the system, '' caused my bill to be sent to collection, the billing department purposefully sent the bill to collection. 

The billing department further told me they had not communication with me for four billing cycles. This is not true. My wife contacted the dental office twice while I was XXXX. I called the dental office twice upon my return, XX/XX/XXXXXXXX and again in XX/XX/XXXXXXXX XXXX Unfortunately, I spoke with the front desk both times and they obviously did not communicate with their billing department. 

On XX/XX/XXXX, both TSI and the dental office asserted they had the verification I demanded, but they did not send it to me with the FDCPA five-day requirement. XX/XX/XXXX was the 31st day since my dispute. 

TSI Reference/Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint against Equifax Information Services LLC for failing to provide me with proper access to my credit report and for obstructing my legal right to dispute inaccurate information. 

Despite mailing multiple letters with valid proof of my identity and current address, I have been repeatedly denied access to view my credit report online. Each time, Equifax responded with instructions to call their office to verify my identity. However, when I followed their instructions and contacted customer service, the representative failed to verify my identity and took no further action to grant me accessdespite the fact that all required documentation had already been submitted multiple times. 

This behavior has made it impossible for me to monitor or dispute inaccurate information on my credit file, and it directly violates several consumer protection laws : Key Legal Violations : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681g and 1681i Under 1681g, I have the right to obtain all information in my credit file.

Under 1681i, I have the right to dispute incomplete or inaccurate information, and Equifax is legally obligated to conduct a reasonable reinvestigation. 
By denying me access to my own credit report and the ability to dispute information, Equifax is violating these statutory protections. 
Consumer Financial Protection Act ( Title X of the Dodd-Frank Act ) Section 1031 prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ).

Equifaxs repeated refusal to verify my identity by phone and their failure to honor previously submitted documents constitutes an unfair and abusive business practice. 
CFPB XXXX XXXX on Credit Reporting ( XXXX XXXX ) As stated in Key Dimensions and Processes in the XXXX Credit Reporting System, consumers play a critical role in maintaining the accuracy of credit reports. 
By blocking access, Equifax undermines this essential oversight function and the integrity of the credit reporting system as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: SC

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This is very general as this purchase originally occurred in XX/XX/XXXX.. 

XX/XX/XXXX : I made a {$110.00} purchase at XXXX online and used paypal credit. I use paypal credit thru Synchrony to make purchases that I wish to be 6 months interest free XX/XX/XXXX : XXXX issued a refund for this order. A week or XXXX later, I noticed the refund wasn't being reflected on my Paypal Credit Synchrony account XX/XX/XXXX : I called Paypal Credit Synchrony to inquire and ask that my balance be adjusted to reflect the refund. On XX/XX/XXXX, I was told by a rep via chat : ' I have requested the internal team apply the refund o f {$110.00} to the original purchase and removed from the list as per your request ' On XX/XX/XXXX, the refund was applied to my account. On the exact same day, an adjustment of the exact same amount was made by Paypal Credit Syncrony. This canceled out the adjustment, so my account is still inflated by {$110.00}. 
In XXXX and XXXX, I continued to follow up on this. I was sent to Paypal by Paypal Credit, Paypal just sent me back to Paypal Credit. Nothing was changed or resolved. 
On XX/XX/XXXX, I called Paypal Credit and was hung up on. I tried calling back 3 times, and each time I got to a rep, they hung up on me. 

Right now, my account balance is {$610.00} on Paypal credit. My purchases that need to be paid off only add up to {$510.00}. Paypal is stealing {$110.00} from me and I am looking to work with someone that can help get this resolved as Synchrony is refusing to help me any further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I paid off my full Apple Card balance in XX/XX/year> with the following payments : {$3200.00} on XX/XX/year> {$20.00} on XX/XX/year> {$120.00} on XX/XX/year> {$49.00} on XX/XX/year> These payments brought my balance to {$0.00} each payment, and the XXXX XXXX  confirmed that no interest would be charged. I monitored the app throughout the month and ensured that the balance remained at {$0.00}. However, on XX/XX/year>, I was still charged {$16.00} in interest. When I contacted Apple Card support ( Goldman Sachs ), they refused to reverse the charge, saying I had already used my one-time courtesy waiver in the past. This is extremely misleading and unfair. I was told no interest would be charged, I had no balance due, and yet I was penalized with finance charges. I paid everything on time and out of pocket, and kept my balance clear the entire time. I believe this constitutes deceptive and unfair billing and may violate the Truth in Lending Act. I am requesting a full refund of the {$16.00} and a formal investigation into Apple Cards interest charge practices. 

I expect a full refund of the {$16.00} and a timely explanation. If this issue is not resolved promptly, I will consider pursuing additional legal action or filing with other regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c-2 that you the Equifax 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 account opened at CRB -- XXXX XXXX -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the account in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquirie are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. I request, pursuant to FCRA 605B 15 U.S.C. 1681c-2 that the Equifax credit reporting agency block all of the accounts, collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnPlease reference FTC Report XXXX XXXX XXXX have filed an FTC report and sent all information regarding these disputed items with the credit bureaus and they removed them and put them back on. According to Section 605(b) of the Fair Credit Reporting Act provides 4 days to complete this investigation and block any unverified item. I have not received any documents to verify any of these accounts. Also these investigations were not done within 30 days. According to 15 usc 1681i 5(d) Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer's file to other such consumer reporting agencies. As a result of not being in compliance of the law under the FCRA this public record is still reporting on my credit reports with Experian Equifax and Transunion.  I am requesting these item be removed from my credit report and to share with other reporting agencies that are housing this information."

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: AL

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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Wells Fargo regarding the mishandling of my dispute over an overcharge. The company, XXXX XXXX XXXX XXXX, provided me with a quote of {$600.00} for XXXX XXXX, with an additional {$50.00} for each additional XXXX However, upon arriving at their office and paying the required deposit, I was charged {$1400.00}, which far exceeded the quoted price. 

I initially filed a complaint with Wells Fargo regarding the overcharge, and I was led to believe that the matter would be resolved promptly. However, Wells Fargo closed my complaint without a satisfactory resolution. 

I am requesting that all correspondence regarding this issue be sent to me via email. 

I trust that the Consumer Financial Protection Bureau will assist in ensuring that Wells Fargo reopens the complaint and takes appropriate action to resolve 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 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: CA

Complaint narrative:
late XX/XX/year>, I emailed XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXXXXXX ( VP of XXXX XXXX XXXX ), and HR the list of those XXXX compliant, as monitoring XXXX  compliance was one of my job descriptions. XXXXXXXX XXXX XXXX XXXXXXXX was not listed as XXXX compliant In early XX/XX/year>, I spoke with XXXX, informing her that she was not XXXX compliant and needed to resolve this. In early XX/XX/year>, I conducted a department meeting, and one of the items on the meetings agenda was XXXX compliance. I again informed XXXX that she was not in XXXX compliance. 

On XX/XX/year>, I was abruptly and without warning terminated. 

On XX/XX/year>, I emailed the Habitat for Humanity International office to confirm if any employees, including senior staff, needed to be XXXX  compliant while handling mortgage applications or documents. They confirmed that all employees, both junior and senior staff, must be XXXX compliant when handling mortgage applicants and documents. 

On XX/XX/year>XXXX  I received documentation showing that XXXXXXXX XXXX XXXX XXXX was not XXXX  compliant

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation