vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and XXXX left wondering how XXXX supposed to defend myself when the same issue keeps happening over and over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Complaint : I am writing to formally dispute a collections item currently reported on my credit report by TrueAccord, which claims to hold a debt originally from XXXX for the purchase of a XXXX mattress in either XXXX or XXXX. 

The product in question was defective and unusableit was missing necessary internal layers to maintain shape and provide support. I immediately contacted XXXX XXXX XXXX, and after several months of ongoing communication, we reached a resolution where the mattress would be returned for a refund. 

However, by that point, the XXXX pandemic had begun. XXXX informed me that, due to health and safety policies, they could not accept returned mattresses, but offered an alternative solution : if I could donate the mattress and provide documentation, they would issue a full refund. 

Unfortunately, due to local XXXX protocols, no donation centers were accepting mattresses, and I was unable to fulfill that request. I communicated this to XXXX, after which they ceased all communication. Left with no options and in need of a functional mattress, I disposed of the defective one and purchased a new XXXX out of pocket. 

Subsequently, the debt was sent to collections and is now held by XXXX. As I work to repair my credit, I have disputed this account numerous times with no resolution. Most recently, I attempted to resolve the matter by offering to pay, despite my belief that I should not be liable for this debt. 

When I contacted TrueAccord for payment details, I was provided only an account number, and no other identifying details. Their payment portal will not accept my information, stating that no account can be found with my name, email address nor account number provided to me. 

I have made every reasonable effort to resolve this issue since XXXX and have acted in good faith at every step. I am now requesting that the CFPB : XXXX. Investigate the legitimacy of this debt ; XXXX. XXXX TrueAccord to cease all collection efforts on this account ; XXXX. Require immediate removal of the account from all three major credit bureaus ; XXXX. Ensure this issue is closed in my favor due to the documented timeline, product defect, failed resolution by the original creditor, and the non-responsiveness of both XXXX and TrueAccord. 

This debt has caused me significant emotional stress and has negatively impacted my XXXX XXXX unjustly. I have attached all supporting documentation that illustrates the timeline, communications, and the fact that Ive been unable to resolve or even pay this debt through TrueAccords portal. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX Address : XXXX River XXXX XXXX, XXXX XXXX, XXXX, FL XXXX Date of Birth : XX/XX/XXXX 1991

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: MO

Complaint narrative:
On XX/XX/year> @ XXXX XXXX XXXX the collection agency texted my husband with specific details of my debt. He then texted me screenshots of what they sent to him. This clearly violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I, on several time have sent proof to all three credit reporting bureaus, asking them to correct the status of my accounts to Paid/ Closed., but they still show as Charged off with balances. This is damaging to my credit, untrue and illegal.

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 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Ingo Money, Inc.
State: KY

Complaint narrative:
In XXXX I purchased a car from XXXX and was sent a check for {$830.00} to cover the costs of registration for my vehicle. On XX/XX/XXXX, I attempted to load the check onto my XXXX XXXX XXXX but had tech issues with the app. I called and the customer rep told me to reach out to Ingo Money directly to have the check deposited into my account. I called them and their customer rep was able help me load the check for cashing using the Ingo Money app. The same day, I got an email that the money would be on my card within 10 days. On XX/XX/XXXX, I got another email telling me they tried to fund my account but were unsuccessful. I was instructed to reply back to initiate another attempt. On XX/XX/XXXX, I replied to initiate another attempt and got the same message that the attempt was unsuccessful. The email also told me to check with my card to make sure there were no restrictions on it or to provide another account to fund. I was also warned that the check had been processed and that I would not be able to cash it anywhere else. Later in the day on XX/XX/XXXX, I contacted my card and was told there were no restrictions on my card. I was also told there were no pending transactions. On XX/XX/XXXX, I reached out to Ingo Money and told them to try funding my card again. I was told that my money would be on my card within XXXX to XXXX hours. The money was not on my card by that time or by the end of the day. At XXXX XXXX I sent an email to Ingo Money informing them there are no restrictions on my card and to again initiate the funding to my card. The next day I reached out to XXXX to let them know that I had a problem with depositing the check. I wanted them to possibly stop payment on the check and issue another one. The representative sent the request to their treasury dept and notified me XXXX days later. I was told there was nothing they could do because the check had been cashed. I explained what happened and was advised to file a police report as well as contact my card for assistance. I contacted XXXX XXXX later in the day and was told there was nothing they could do. They advised me to reach out to Ingo Money to settle the matter. I did reach out to them and stated there was some fraudulent activity while funding my account and asked for them to look into the matter. Ingo Money did not directly address the issue and has still not funded my account. On XX/XX/XXXX, I got another email that the transaction was funded successfully. As of today, XX/XX/XXXX, the funds have not been added to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX BANK Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX Account XXXX : XXXX * * * * * Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

9. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXXXXXX XXXX Account XXXX : XXXX * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX Account XXXX : XXXX * * * * * * * * * Please remove this inaccurate information from my credit report. 

11. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX Account XXXX : XXXX * * * * * * * Please remove this inaccurate information from my credit report. 

12. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy SYNCBAMAZON Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information 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 explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
To Whom It May Concern, I found a XXXX  XXXX credit card account on my credit report that I didnt open. The account number is XXXX. It shows it was opened around XX/XX/year>, and theres also a hard inquiry from XXXX XXXX dated XX/XX/year>, which I never approved. 
I did not apply for this credit card and have no connection to this account. Someone used my information without my permission. 
Please remove this account and the related inquiry from my credit report. Im including my ID, proof of address, SSN, and FTC Identity Theft Report. 
Thanks for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a high yielding Ing Direct account that was taken over by Capital One and for many years had interest rates that met my expectations as advertised. Then for some time prior to XX/XX/year> I started to notice my interest rates were not keeping up with the market rates that were expected, as my partner 's account was outperforming mine. I finally took the time to review my account and realized Capital One had virtually the same account yielding the rate I would have expected my XXXX XXXX account to have. In XX/XX/year> I opened the XXXX XXXX XXXX and moved all of my money, about {$36000.00} out of the XXXXXXXX XXXX account into the new higher interest earning account. I was most annoyed but did not take the time to inquire into it any further, albeit I did share my thoughts with the Capital One representative at that time. I felt intentionally misled and kept in the dark not knowing there was a superior product available, thinking I had Capital One 's highest performance savings account that I was accustomed to. I feel harmed, a victim, intentionally misled and ask that the CFPB help provide redress for what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Paid off loan on XX/XX/year>. Now XX/XX/year>. Refusing to give me my loan release letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I opened this account in XXXX. After a fraudulent purchase which I reported to SYNBC XXXX. They failed to investigate the matter and, after I stopped paying the bill, they charged the account off. I had established a payment plan in XX/XX/XXXX, but still no investigation into the fraud. They tried to deduct {$180.00} from my debit account on XX/XX/XXXX. I called on XX/XX/XXXX to provide payment information and was told by XXXX that the payment plan had been cancelled on XX/XX/XXXX yet, I have proof that they were continuing to attempt to charge my debit card. They have refused to provide any assistance, any accounr numbers, a proof of claim from the collection agency they've assigned the account or any proof that they will not attempt to deduct from my account in the future.. This account is also reporting an incorrect amount due ad are reporting the account as charged off. I made another payment arrangement with their collection agency and paid {$320.00}. They are still reporting the original amount of {$890.00} as a charge off.

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 2025-04-16 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: WA

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 XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX * * * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX * * * XXXX XXXX  XXXX * * * * XXXXXXXX XXXX  XXXX XXXX XXXX * * * XXXX XXXX XXXX XXXX * * * XXXX XXXX XXXX  XXXX * * * * XXXX XXXX SERVICES XXXX * * * * XXXX XXXX XXXX * * * * XXXX MORTGAGE SERVICING, XXXX XXXX * * XXXX * XXXX XXXX XXXX * XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 : they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 : they are supposed to 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. 

15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
A PayPal credit line was opened fraudulently in my name in XXXX of XXXX. They used my phone number and personal info to do so. In XXXX of XXXX  when I discovered the fraud I called PayPal to report the fraud and was advised to close the account during their investigation and to make the monthly payments in the interim. I did not hear back from PayPal for months and when I called back to check in I find that not investigation was started so I file XXXX again. The results of the investigation were that since I made payments to the account ( under their advisement ) that that was enough proof to deny my fraud investigation to have the debt erased. My PayPal account was completely deleted so I didnt have any access to the PayPal credit account to get updates and handle things. When I tried to resolve it again they were extremely unprofessional and unhelpful that even if XXXX of their employees advised me wrongly that that is not on them and doesnt reflect in their records. So not only are they trying to put the fraudulent debt on me but also dismissing all of the payments I already made to the account. This is completely unethical and manipulative. They have now reported it again to XXXX  and have continued to send bills and harassing calls.

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