vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: IN

Complaint narrative:
Initiated a rollover of funds from one HSA to another HSA ( XXXX to Optum ) in XXXX of XXXX and the funds never appeared in my new ( Optum ) HSA account. I got a confirmation of transfer from XXXX on XX/XX/XXXX and XX/XX/XXXX and called to confirm that checks were sent to Optum. XXXX confirmed they were sent and that they were cashed on date ( XXXX ) XX/XX/XXXX and XX/XX/XXXX. The check amounts were {$210.00} and {$0.00}. 

Optum claims that they never received check ( s ) from XXXX. Optum is claiming the transfer request form does not appear on my account. ( so how did XXXX confirm checks cashed??? ) Please let me know what I can do to resolve this issue. 

Thanks in advance! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
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 explanation
Consumer complaint received 2025-04-09 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TX

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 2025-04-09 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: NJ

Complaint narrative:
To Whom It XXXX Concern : I recently received a copy of my ( Experian, Equifax or TransUnion ) credit report, and I noticed some late payments posted on my credit report : List Name of the XXXX optimum with late payments along with their account XXXX company is in clear violation of the law. Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of XXXX XXXX XXXX XXXX to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX violations XXXX. Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX 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 2025-04-09 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: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Collection I Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It XXXX Concern, I am writing to dispute the accuracy of these collection account listed on my credit report under the account # XXXX, # XXXX, # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( XXXX  ) XXXX ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( XXXX  ) XXXX ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collections account from my credit report and provide written confirmation of this action. If the collections agency can not validate the debt, the account must be deleted from my credit file as required by law. Additionally, this letter serves as a formal cease and desist against any further collection activity related to this account. Thank you for your prompt attention to this matter. I look forward to your response. 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 2025-04-09 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I am filing a complaint regarding multiple hard credit inquiries that are appearing on my XXXX credit report without my knowledge or authorization. I did not apply for credit or give permission for these companies to access my credit file. These inquiries are negatively impacting my credit score. 



Despite my attempts to resolve this issue, these inquiries remain on my report. I am requesting an investigation into each of the following inquiries and their immediate removal if found to be unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Comenity XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Security Finance # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Florida XXXX Union XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Bank XXXX Missouri XX/XX/XXXX XXXX XXXX XX/XX/XXXX Comenity Capital/Carter XX/XX/XXXX Cap XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that XXXX inquiries be reviewed and removed from my XXXX credit report if they are found to be unauthorized XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I am filing a complaint regarding AmRent, a consumer reporting agency that provides rental screening reports. I submitted a rental application to XXXX XXXX at XXXX on XX/XX/year>, and was later denied. I was told the decision was based on information in a report from AmRent. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a copy of my consumer report if it was used in making a housing decision. I have emailed AmRent ( XXXX ) and called their consumer assistance line at XXXX, but I have not received the report or a timeline for when it will be provided. 

AmRent 's own website states that they do not make housing decisions and only provide data, which makes it even more essential that I have access to the report to verify its accuracy and content. 

I am requesting the CFPBs assistance in ensuring AmRent complies with the FCRA and provides me with the consumer report I am legally entitled to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
I seen multiple soft and hard inquires from XXXX XXXX XXXX XXXX XXXX that were not authorized by me. I did not request any credit/loans for an XXXX XXXX XXXX I was told my XXXX customer service that there were several soft pulls and a hard pulls. I told them I never filled out any credit apps for any XXXX XXXX loan/credit and the soft inquires and or hard inquires they pulled were either fraud or identity theft and i told them I want them removed asap. The rep from XXXX  was not willing to help with at all and I was then transferred several times and no one was willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
I seen multiple soft and hard inquires from XXXX XXXX XXXX XXXX XXXX that were not authorized by me. I did not request any credit/loans for an XXXX XXXX XXXX I was told my XXXX customer service that there were several soft pulls and a hard pulls. I told them I never filled out any credit apps for any XXXX XXXX loan/credit and the soft inquires and or hard inquires they pulled were either fraud or identity theft and i told them I want them removed asap. The rep from XXXX  was not willing to help with at all and I was then transferred several times and no one was willing to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Account Due to Identity Theft Dear Equifax, I am writing to formally dispute an account on my credit report that I believe was opened fraudulently due to identity theft. I did not authorize or open the account, and I have been a victim of identity theft. 

The accounts in question are [ XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX ( XXXX ) ABSOLUTE RESOLUTIONS ( Original creditor : XXXX XXXX XXXX XXXX ) ]. These accounts do not belong to me, and I am requesting that you investigate this matter under the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that you investigate any disputes involving fraudulent information. 

As a victim of identity theft, I request that you : Remove the fraudulent account from my credit report immediately. 

Provide a copy of the results of your investigation, as required by the FCRA. 

Update my credit file to reflect that I am a victim of identity theft, including placing a fraud alert or a credit freeze on my account, as allowed under the Identity Theft and Assumption Deterrence Act.

Please find attached a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) or local law enforcement, which serves as proof that I am a victim of identity theft. I also request that you forward this information to the relevant parties to ensure that this fraudulent information is corrected on my credit file. 

Under the Fair Credit Reporting Act, I understand that you are required to complete your investigation within XXXX days, and I expect your response in writing. 

Thank you for your prompt attention to this matter. Please contact me at the above address if you need further information. 

Sincerely, XXXX XXXX XXXX XXXX : Copy of Identity Theft Report ( FTC or XXXX enforcement ) Copy of Credit Report highlighting the fraudulent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Recovery One, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I reached out to Recovery One LLC to pay a utility bill debt from XXXX that I owed. They allowed me to settle the debt that was originally XXXX and some cents for XXXX. I asked for written confirmation that the debt was settled and the balance was XXXX dollars before and after I agreed to make the payment. The representative stated they only send out a receipt that I paid XXXX dollars. By law they are required to send me a written confirmation of the agreement of settling the debt. However, Recovery One refused by stating they do not send that out, they only send a receipt of what was paid. They stated that at the end of the month they would report to the credit bureau. I need the written confirmation for my records that the amount was paid and there is not any balance left that I owe. I called Recovery One LLC back for a second time on XX/XX/year> to see if they could send out the letter but they repeated the statement that they do not send that out. I do not want to be scammed and I would like for them to follow the law which states it is my right to have the written confirmation. All I have for my records from them is an emailed receipt that I paid XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX XXXX notified me that a collection was added to my credit report. It said it is from XXXX with no account number listed. I am a XXXX XXXX who still is on my family 's phone account with XXXX XXXX XXXX and I have never even thought of getting anything from a different company. The company ( XXXX ) has confirmed that my only phone number I have ever had has never been associated with them. The " collection agency '' has never once attempted to contact me and confirm the identity of the collection. This collection is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
This morning while cleaning up my emails, I noticed an email in my spam folder that didnt look right at all. The email states that over {$1400.00} is owed to a payday loan company and that communication was sent back in XXXX  but the email address for the legal department do not look legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In XXXX of XXXX I called the XXXX credit card which is ran by XXXX XXXX Bank to make the last payment on my account. I was told by the companys representative that I had a balance of {$69.00}. She removed a {$15.00} fee off and told us to pay {$54.00} and the account would be paid in full. I specifically told her I did not want to make any other payment and asked again if this was the full balance on the account to be paid off and she said YES. Fast forward to XXXX of XXXX and XXXX told I owe almost {$200.00} on the card. My XXXX XXXX decreases by almost XXXX points because they made the mistake of giving me the incorrect amount. Now stating the had another balance on the account and that other fees have been added on etc they end up taking another {$50.00} to make again the final payment. This is not at all my fault but I am currently being jeopardized by their actions. I need all negative remarks removed from my XXXX XXXX as it is their fault by providing me incorrect information. They robbed me and hurt my XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TX

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 2025-04-09 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
Over a month ago I paid down my XXXX XXXX card from {$19.00}, XXX to $ XXXX. Experian refuses to update my balance, even though I filed a dispute with them and they concluded their investigation. Both transunion and XXXX updated my credit report weeks ago, but Experian has their head up their 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