vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion is illegally reporting XXXX assumed medical debts on my credit report. 
The XXXX administration passed a law on XX/XX/year> that went into effect on XX/XX/year> stating that medical collections are not allowed to be reported on credit reports. 
Both of these assumed debts are reporting as negative collections on my credit report from XXXXXXXX XXXX XXXXXXXX in the amount of {$520.00} and another in the amount of {$1100.00} XXXXXXXX XXXX XXXXXXXX are also claiming to be the original creditor of this assumed debt and that is also false. I have not had or made any financial agreement with XXXXXXXX XXXX XXXXXXXX. 
These assumed debts originated from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX in which this debt is now being disputed. 
XXXXXXXX XXXX XXXXXXXX is also in violation of my HIPAA rights at this time. A HIPAA violation occurs when an organization or individual fails to comply with the rules set by the Health Insurance Portability and Accountability Act ( HIPAA ), leading to the unauthorized access, use, or disclosure of Protected Health 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 non-monetary relief
Consumer complaint received 2025-04-08 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: WI

Complaint narrative:
I have opened a dispute for a charge of {$210.00} against XXXX XXXX XXXX in XX/XX/2024 with my credit card " PayPal XXXX ''. They denied my dispute even though I supplied very sufficient evidence that my charge was a scam and I didn't receive the quality of service that I paid for. I have reappealed my dispute multiple times and supplied more and more proof/evidence every time. I have spent hours on the phone with customer service. They do not allow customers to talk to the dispute department. I've been told different information on the phone by different people. They seem very disorganized and the quality of service with customer service is low. The last phone call I had with PayPal was today and I spoke to the supervisor. He was of no help. He kept saying he could not give me any advice and if I open up another dispute the same thing will happen- my dispute will get denied. He doesn't oversee the dispute department and can not help me with my dispute. I've told multiple people I don't think the dispute department is doing their job correctly, things are not getting documented correctly, and I keep getting told different things. For example, XXXX person told me that XXXX XXXX did send their documentation in and another person said XXXX XXXX did not sent their documentation in. I even had XXXX person tell me the dispute ended in my favor and that I was going to receive a letter stating that. That was a lie. My point is, bad hair salon appointments are charges that are disputable and PayPal keeps denying my dispute even though I supplied them with very sufficient evidence. The only detail they supply on their dispute letter is, " We have received no proof that a credit is due on the account from you and or the merchant. '' They refuse to supply me with further details supporting this. It is very frustrating. They can not tell me exactly why they are denying my dispute. Therefore, I feel like PayPal is scamming me and don't want to help me. I have wasted an unnecessary amount of time trying to dispute the charge. I have never had a credit card company treat me like this.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-08 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided.

Unauthorized Inquiry ( s ) : Date of Inquiry ( s ) : Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: United Funding Logistics, LLC
State: PA

Complaint narrative:
untied funding logistics, on XX/XX/year> i hired them to dispute and repair credit. i have had 9 disputes. after all that dust settled, nothing happened. it was always a new excuse. thankfully i shut down the card i paid with. this is a way bigger issue than just me. company has promised a very large fcra suit to get people paid out for credit reports not having proper information on them. they have been sued successfully by attorney out of chiago ill. 

i paid them $ XXXX {$300.00} account was closed so i can't see correct amount. and can't access portal anymore either. XXXX XXXX. has made off with millions of dollars of people 's money. 

i have filed with ic3.gov, attorney general office, ftc, and many others. now due to my own due diligence, former employees are now also starting to speak out against this company as well as i have spoken to a few. 

the company should have to make all of there promises right. with interest. i would like to know where my fcra money is that was promised by end of XXXX courts have no listing of any such complaint either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened {$4900.00} XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
My student loan debt through XXXX ( totaling {$100000.00}, which included interest ) was forgiven through the Public Service Loan Forgiveness program in XXXX. The federal student loan website shows a balance of XXXX for my loans as of XX/XX/XXXX. My experian credit report show of balance of {$42000.00} as of XX/XX/XXXX. 

I have attached my loan forgiveness letter, the screenshot for my loan debt forgiveness ( with date ) and a screenshot of my Experian credit report ( as of XX/XX/XXXXXXXX  )

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 2025-04-08 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: NJ

Complaint narrative:
My student loan debt through XXXX ( totaling {$100000.00}, which included interest ) was forgiven through the Public Service Loan Forgiveness program in XXXX. The federal student loan website shows a balance of XXXX for my loans as of XX/XX/XXXX. My XXXX  credit report show of balance of {$42000.00} as of XX/XX/XXXX. 

I have attached my loan forgiveness letter, the screenshot for my loan debt forgiveness ( with date ) and a screenshot of my XXXX credit report ( as of XX/XX/XXXXXXXX  )

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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
* Summer of XXXX I was approached by an individual in a real estate investing group on XXXX where I have been a member for a year or more. 
* XXXX XXXX approached me via messenger chat and we chatted for the next few months, gathering trust that he was well versed in his business of helping investors to obtain credit. 
* I trusted XXXX and his business partner XXXX XXXX as they said all the right things and were business coaches as well as running their own ministry. 
* I attached the sequence of events in a word document for easier reading that led them to : * Opening up 2 American Express card accounts and XXXX Chase Account along with a XXXX XXXX  XXXX account to set up the ruse. 
* Small Dollar amounts were paid from the XXXX  business checking account in what I see to enable larger amounts of credit to be provided to the pair. 
* Once larger amounts were available, the charges were racked up to massive dollar amounts and then payments stopped. 
* Once stopped, then I learned I was on the accounts with my credentials. I never saw these accounts on my online portals for either company, which I frequented. 
* XXXX and American Express both claimed that because I had been paying on these three credit card accounts from my XXXX XXXXXXXX XXXX account, that I was responsible for these charges. 
* I have proven to them that I have NO affiliation with XXXX XXXX  XXXX and therefore am not responsible for these charges at all. 
* Both would not accept the XXXX original document because it " wasn't enough '' and that I needed to get XXXX to get me all of the information on the account because they could not reach out to them. 
* Both said it was not enough for them to do anything about. 
* They have closed 4 of my business and personal accounts at XXXX and both my Amex Platinum Cards have now been shut off. 
* I realized in late summer or early fall of XXXX of the issues when my own Amex Card was rejected for a small charge one day. 
* Fast Forward to today and I've done all of the leg work for them in showing who these people are, along with the address that mysteriously showed up on my credit report that did not belong to me but is associated with their whereabouts - XXXX XXXX * I've been met with silence and unsolicited " collection calls '' from their companies. I answer them in the hopes that they have done what they need to do.. and each time I have to recite all of the notes in order to get to their fraud / scam division only to once again realize they have done nothing on the case that I can tell because they don't have any new information and have failed to reach out to XXXX for confirmation of any of this. It's ridiculous and very frustrating. 
* Please see the supporting documents attached. The second XXXX document is in the scanned pdf with the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have XXXX  ending in in XXXX that I have been UNABLE TO USE FOR A YEAR at ALL yet they charged me {$75.00}. I no longer have access to my original phone number that I had used to set up an account with Barclays ( Credit card ending in XXXX ) I have been UNABLE to CLOSE the credit card ending in XXXX with Barclays and BARCLAYS HAVE BEEN MAKING IT IMPOSSIBLE TO CLOSE IT RENDERING IT A NIGHTMARE as they had been trying to verify MY IDENITY calling a NUMBER I used when I set it up a year ago that I NO LONGER HAVE ACCESS TO. 

I want to IMMEDIATLY CLOSE THE XXXX XXXX XXXX XXXX account with Barclays. I faxed them DL, SSN, Bank staments and still I am unable to close this account YET they CHARGE YEARLY FEES FOR IT!! It takes WEEKS for them to respond Their outsourced call centers keep me on the line for HOURS with rude agressive staff that XXXX speaks XXXX I can understand. 

The bank due to its negligence have been obstructing my ability to use the card AT ALL. rendering it IMPOSSIBLE to avail of the advertised benefits of the cards. I could not use them for MONTHS and I am unable to close XXXX EITHER YET they are OBSTINATELY CHARGING A XXXX $ yearly fee for an account that CAN NOT BE USED by me. 

It is the Barclays BANK itself that is engaged in ABUSIVE FRAUDUELNT ACTIVITY. 

I am filing this CFPB complaint again for the same credit card. THERE IS NOW WAY TO COME TO SENSES WITH Barclays INSITY AND ABUSIVE LACK OF DILIGENCE at this BANK OF CHAOS that serves US customers with offshore centers that HARDLY SPEAK XXXX few can even understand. 

ABUSIVE DISCRIMINATION of AMERICANS with high value credit score AT ITS WORST. They ignore or respond with absolute non actionable NONSENSE or numbers that are nothing but general phone numbers that do not allow to solve ANY PROBLEMS. WORST credit card I EVER HAD worst customer service i EVER EXPERIENCED in my LIFE. 

Kind Regards

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: WA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX US CXXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-04-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: MD

Complaint narrative:
I am writing to formally request verification of an account that appears on my credit report as charged off. The account in question is : OppsLoan/XXXX According to my credit report, this account is listed as a charge-off and written-off but I have not received any documentation confirming whether this debt was canceled, forgiven, or transferred to another party. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. Full verification of the debt, including : The original creditors name and contact information The full amount owed, including a breakdown of interest, fees, and principal The date of charge-off and any subsequent actions A copy of the original contract or agreement bearing my signature 2. Clarification regarding the issuance of IRS Form 1099-C : Has a 1099-C been issued for this account? 
If yes, please provide a copy for my records. 
If no, please confirm the status of the debt ( i.e., whether it has been canceled, settled, or remains outstanding ). 

Additionally, if this debt has been sold or transferred to another agency, please provide the name and contact information of the new party responsible for collection. 

Please note that this is a serious matter affecting my creditworthiness and financial well-being. If the account is found to be inaccurate or unverifiable, I respectfully request its immediate removal from my credit report. 

I appreciate your prompt attention to this matter. Please respond within 30 days of receipt, as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I have disputed this debt twice. I was a victim of identity theft around XX/XX/year>. I am not familiar with this debt and do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-08 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: TN

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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