vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XX/XX/XXXX {$630.00}

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 2025-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear sir| madame This is XXXX XXXX XXXX and i got my papal account permanently limited for no reason and i just want to plead on your behalf to get me back my account because i have workers to pay and it was also my business account so i am really frustrated and dont even know what to do i have {$530000.00} in my account as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-04-29 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: IL

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My spouse suffered an aneurysm of the brain in 2006 after I was stationed in XXXX XXXXShe is still under care at XXXX XXXX XXXX XXXX XXXX XXXX has assigned a QWR to Bank of America NA and XXXX XXXX Mortgage Servicing.Again we state that there are 3 Audits that Assure that has been fraudulent activity in the life of the Loan.My spouse has Federal Civil Rights that apply to her as an American with Disabilities ACT ( ADA ) To be protected by the ADA one must have a disability or have a relationship or association with an individual with a disability.An individual with a disability is defined by the ADA as a person who has a physical or mental impairment that substantially limits one or more major life activities, a person who has a history or record of such an impairment, or a person who is perceived by others as having such impairment.The ADA does not specifically name all of the impairments that are covered.But she was able to ask for assistance with our Mortgage Servicing Companies and that's why there are 3 Audits from 3 different Auditors that Declared Fraudulent Activity with Our Loan. Today is written in the sand as My spouse and I were accused of filing frivolous complaint with CFPB by XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX United States US. When the Evidence is full framed by 3 different Auditors what now.

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 2025-04-29 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: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Ally Bank and XXXX XXXX XXXX refused to vehicle financing based on race and gender from XXXX XXXX back on XXXX XXXX XXXX. Both financial institutions cite circumspect reasons, such as an inability to validate social security number and physical address, as their reasons for refusing to grant credit. Upon learning these reasons, I immediately suspected XXXX discrimination in lending practices because both financial institutions had already completed their credit checks on the lending application. 

The first incidence of XXXX discrimination occurred when an XXXX XXXX employee, XXXX XXXX XXXX submitted my credit application to XXXX XXXX XXXX for automobile financing at a higher rate despite the fact my credit score qualified me for financing at lower rates. Secondly, XXXX made disparaging remarks about my inability to make payments based upon my outward appearance and gender ; and, after completing the credit and background checks, he reported my personal information to local authorities for fraud because he did not accept that XXXXXXXX XXXX had good credit and lived in upscale communities. 

Thirdly, Ally Bank, another lending institution for XXXX XXXX, refused automobile financing although my credit score qualified me for financing. This decision, par for the course as Ally Bank has a long ignoble track record for denying credit and lending services to XXXX XXXX, came about because XXXX XXXX shared his disdain with his contact at that institution that a XXXX XXXX had the credit score to qualify for low rates of financing a vehicle. Later, XXXX maliciously reported his suspicions of fraud and identity theft to Ally Bank, which completed its comprehensive background check around XXXX XXXX XXXX Ally Bank correctly validated all of my personal information. 

XXXX XXXX of XXXX XXXX XXXX, Ally Bank XXXX and XXXX XXXX XXXX actively discriminated against me because of my race and gender despite having a credit score that meets their criteria. XXXX purposefully disparaged me to the lenders when he gave them copies of personal identification which identified me as a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
on my credit report there are ( XXXX ) months of payment history -XXXX  & XXXX that are not being reported. Having accurate payment history is very important to a credit score and needs to be accurate and complete.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank needs to be investigated. I made payments on XXXX of my accounts on XX/XX/year>, the payment was processed in their system, current balance has been updated as of XX/XX/year>, however, the available credit still has yet to be updated. I have called several times and was told they put a hold on my payment for 7 days, which is not disclosed in their terms and conditions. Based on Reg Z 1026 regulation, a payment hold is only applied if the account has a history of fraudulent activity. Payment holds are typically applied on bank accounts in accordance with Reg E requirements, not on credit card accounts. This is deceptive. In addition, the minimum payment for my current statement did not consider my recent payment made on XX/XX/year>. I do not need the company to respond with processes that arent even outlined in their terms and conditions, I need an investigation opened, specific to their payment processing. Thank you!

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 2025-04-29 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.
State: PA

Complaint narrative:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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.

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-29 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: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
Calling over and over again, Told them I refused to give any information or acknowledge any debt. I told them to put me on a do-not-call list. I still receive calls repeatedly.

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
account XXXX XXXX # XXXX I'M unaware of theses debt and did not have the opportunity to dispute theses 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 take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
The collection account listed on my credit report is not mine. I have no knowledge of this debt and have never had any association with this account.

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 2025-04-29 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: VA

Complaint narrative:
I recently reviewed my credit report and discovered a fraudulent gym membership account that I did not authorize or open. I have never been a member of this gym, and I believe the charges were a result from identity theft. This account was reported to the credit bureau without any prior DIRECT contact or notification from the debt collector, which denied me the opportunity to dispute or resolve the matter beforehand. As a result, this entry is now negatively impacting my credit and affecting my ability to obtain financing for an upcoming purchase.I kindly request that this account be thoroughly investigated and promptly removed from my credit report.

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 2025-04-29 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: GA

Complaint narrative:
The only address that Ive ever lived at has been XXXX XXXX XXXX XXXX XXXX That is the only address that has permission with facts to support to be reporting on my consumer report. I have never lived at XXXX XXXX XXXX XXXX NY, this address has been used to steal my identity in previous identity theft disputes in the past, this address has been rightfully removed from other consumer reporting agencies except Experian.

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 2025-04-29 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE XXXX  ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 2025-04-29 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: IL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
I am writing to formally dispute and request the removal of specific information appearing on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and recent legislative protections afforded to victims of XXXX XXXX, I request a complete reinvestigation of the following accounts. The presence of this information is the result of circumstances directly related to my trafficking experience and should be permanently removed as mandated by applicable federal laws. 

The accounts I dispute are as follows : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$65.00} As stipulated under the FCRA and reinforced by recent legal protections for survivors, any information derived from a trafficking situation must be permanently removed from credit files upon dispute and submission of proper documentation. If the information can not be validated with complete, original documentation, it must be deleted immediately.

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 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
THIS IS MY SECOND COMPLAINT AND HAS NOTHING TO DO WITH A SETTLEMENT. THIS IS REGARDING MY PERSONAL ACCOUNT THAT WAS CLOSED RANDOMLY BY YOUR COMPANY. READ MY COMPLAINT THROUGH THIS TIME OR I WILL HIRE A LAWYER! 

Hello, Ive received no explanation on why my account is permanently restricted. I've had this account for maybe 6 years with no issue. I not only send/ receive from my family and friends but I also send my rent payments to my landlord this way. So I'm submitting a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Cash App 's refusal to unlock my account or provide any information about the restriction placed on it. I believe this action is unlawful, as I have not been given any justification or explanation for why my account has been restricted. I expect a prompt resolution to this matter, and I am prepared to escalate this further if necessary. Please take this issue seriously and address it as soon as possible. My phone is XXXX My email : XXXX and cash app tag is XXXX XXXX

Company response to consumer: Closed with explanation