vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tilt Finance, Inc.
State: GA

Complaint narrative:
Empower Finance Inc. is a scam business that violates FCRA laws and does not care about customers please be weary of this company, they will DESTROY your credit profile intentionally. They failed to collect payment on the scheduled time in XX/XX/year> which led to 103 % usage being reported on my credit report. After finding this out I had to call in and manually to submit my payment. I requested they update my usage for XXXX they told me they couldnt because they had to report accurate information for that cycle. Now it is XXXX I have a XXXX balance with them and they havent updated my account for the current cycle, my usage is still showing 103 % even though Ive had a XXXX balance for over a month. My credit has dropped nearly XXXX points for a {$350.00} line of credit. This small account has ruined me being able to close on my house. I have expressed the sense of urgency and how they are violating FCRA laws but they seem to not care. Ive sent numerous emails and now they are deliberately violating FCRA laws out of spite. This company is a scam and I will utilize every legal means available to get justice from this spiteful, disgusting company. I've contacted them numerous times via phone and email on the dates of XX/XX/year>, XX/XX/year>, and XX/XX/year> they keep telling me they will investigate and have a supervisor reach out however it has been several days I haven't received XXXX call. I desperately need my account information to be reported fairly but it seems they aren't reporting my information simply out of spite.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One main Financial has been falsely reporting an account to my credit files for a loan I never went through with. I started the loan process, got halfway through the contract, and walked away. For the last 7 years, they have destroyed my credit and placed unforeseeable financial burdens on me because they are reporting fraudulent information. Not only did I not go through with the loan, they filed the paperwork I had signed and I never received a single penny from them. They have never issued me a check and they refuse to provide any sort of debt validation after the hundred of times I have disputed this account. They faked a loan to then get paid through their insurance company as well as a tax write-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
I recently received a copy of my consumer report and discovered numerous inaccuracies in the negative accounts reported. This has not only negatively impacted my ability to obtain credit, but it has also shattered my trust in the banking system. I have been denied credit cards and home loans due to these inaccuracies, which have not only tarnished my reputation but have also taken a toll on my mental and physical well-being. There is no law that mandates consumer reporting agencies to provide information about a consumer, which is why XXXX outlined the importance of this role under 15 USC 1681 ( a ) ( 3 ). Furthermore, your company has failed to uphold fairness and respect for my privacy as specified in 15 U.S.C 1681 ( A ) ( 4 ). I am requesting valid proof and documentation that these negative items were thoroughly and fairly investigated. Additionally, please provide details on the system and criteria used by your company to verify transactions. Your actions appear to be in violation of several federal laws, including those that protect consumer privacy. I am giving your company the opportunity to rectify this situation by deleting these fraudulent accounts as soon as possible.

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 2025-01-08 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: FL

Complaint narrative:
My information was exposed to XXXX XXXX 15 USC 1681 governs access to consumer credit report records. I have filed form XXXX with the XXXX The perpetrator ( s ) filed IRS tax return using my SSN which has damaged me furthermore the perpetrator ( s ) have obtained from the Data Breach my personal information which has resulted in negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on XXXX, XXXX and Transunion. Pursuant to Title 15 USC 1692G ,1692K et seq FCRA 605B ( 15 U.S.C. 1681c-2 ) See attached Credit Report and Identity Theft FTC 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 2025-01-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was exposed to XXXX XXXX 15 USC 1681 governs access to consumer credit report records. I have filed form XXXX with the XXXX The perpetrator ( s ) filed IRS tax return using my SSN which has damaged me furthermore the perpetrator ( s ) have obtained from the Data Breach my personal information which has resulted in negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on XXXX, Equifax and XXXX. Pursuant to Title 15 USC 1692G ,1692K et seq FCRA 605B ( 15 U.S.C. 1681c-2 ) See attached Credit Report and Identity Theft FTC Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/XXXX I made a XXXX percent interest purchase on a mattress through the XXXX XXXX Credit Card XXXX. My origanal agreement was to pay {$170.00} a month equal payments and no interest. I then set up an automatic payment through my bank to pay this every month XXXX days prior to the due date. In XX/XX/XXXX they began charging a paper statement fee of XXXX without sending notice or an email. It was in tiny print on the statement that I never saw. This then started to create late fees of between {$30.00} and {$41.00} per month. After several tedious calls to support I finally was able to speak to an agent in the XXXX who removed the fees. I stopped paper statements and the agent said I could go back to paying {$170.00} a month. Then Synchrony Bank began charging me a {$2.00} a month interest fee on purchases even though I made no new purchases which again pushed me into a late fee. I have called support several times and am promised that the fees will be removed. XX/XX/XXXX an agent told me they would remove the {$2.00} fee and I would no longer get charged that because it was in error. Then I was charged it again XX/XX/XXXX. I contacted them again today about the same issue. They need to be held accountable for attempting to commit fraud against good and timely paying customers with erroneous fees.

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 2025-01-08 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: 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX To Whom It XXXX Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX XXXX XXXX, Apt XXXX, XXXX, Texas There should only be XXXX address in my report, which is : XXXX XXXX XXXX, Apt XXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only XXXX correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX The only job I need listed is : C.E.O of XXXX XXXX XXXX, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: TX

Complaint narrative:
Please be advised that the credit denial on or before XX/XX/year>, in the amount of {$2900.00} is a Breach of Trust Property, the Trust Agreement Act, and the Equal Credit Opportunity Act, and the Consumer Credit Protection Act. Title 15 subsection 1611 governs my ability to charge any person who falsely and illegally denies me my own credit. 
As the underwriter of this consumer transaction, I demand XXXX XXXX Bank to provide me with a listing of all the factors involved in this consumer transaction. 
Further more, the Equal Credit Opportunity Act states that denying me my own credit is discrimination. XXXX provided me with the reasons why I was denied my own credit ( see attachment ), however regardless of the reason I have a right to credit and withholding my securities is securities fraud, not to mention. 
In the event that you continue to deny me my own credit, I demand you to retract my application and provide me with any equity gained, received, sold, transferred, acquired, etc from the pooling of assets from the original application. You ( XXXX, XXXX XXXX XXXX, Trustees, and their partners and affiliates ) have no more than XXXX business days to remedy this violation in Good Faith, otherwise damages will be applied to the principal balance for retribution of ALL the aforementioned violations Further, I am a victim of the recent data breaches from the credit reporting agencies, and their sham investigations continue to violate my consumer rights and defame my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
The inaccuracies on my credit report are absolutely damaging and reflect accounts that do not belong to me. I am outraged that multiple complaints have resulted in no action whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
XX/XX/year> XXXX am to XXXX am funds were withdrawn from my checking account with out my consent and also my funds on the platform were retrieved with out my permission.A total of XXXX dollars were retrieved of my checking account and XXXX dollars retrieved from the platform without my consent the platform alleges that my account was compromised and all I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
It is unacceptable that my credit report continues to show accounts that are not mine, dragging down my credit score and credibility. Despite numerous complaints, I have yet to see any action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Complaint Regarding Altered and Reinstated Account by XXXX XXXX XXXX. 
Dear Experian, I am filing this dispute regarding a collection account from XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ].

Issues:1. Reinstatement of Removed Account with Altered Information : The account in question was previously removed from my credit report. However, it has been reinstated with altered details, including : a different lender name a different date a different amount. This constitutes inaccurate reporting under FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which requires furnishers of information to provide accurate data to consumer reporting agencies.

2. Failure to Provide Validation of Debt : Under FDCPA [ 15 U.S.C. 1692g ( b ) ], I requested validation of the debt, including : The original purchase agreement Proof of assignment or ownership of the debt Documentations confirming the amount owed, and Transactions history, national credit adjusters has failed to provide the requested information, violating my right to debt validation. 3. Reinsertion of Information Without Proper Notice : Under FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], if a consumer reporting agency reinserts previously deleted information, they must notify me within five business days. I received no such notification. 4. Request to Block National Credit Adjusters activity on My File : I believe the reporting by XXXX XXXX XXXX is fraudulent. Pursuant to **FCRA [ 15 U.S.C. 1681c-2 ] **, I am requesting that Experian block any further activity or reporting by national credit adjusters on my credit file unless they can provide verified, detailed documentation to prove their claims.

**Actions Requested : ** 1. I demand that Experian investigate National Credit Adjusters to provide all necessary documentation verifying their right to collect on this debt, including proof of ownership and validation of the account details.

2. Investigate why this account was removed and later reinstated with altered information, without proper notice or validation.

3. I demand Experian to block any future activity or reporting by XXXX XXXX XXXX on my credit file unless adequate verification is provided, in accordance with **15 U.S.C. 1681c-2**.

4. Remove this account from my credit report immediately if validation can not be provided. This account appears to have been reinstated in violation of both federal law and my rights as a consumer. I respectfully request an investigation into this matter and appropriate corrective action. 
XXXX XXXX social Security XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

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 non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: SC

Complaint narrative:
I have received collection letters from Medical Business Bureau with a PO address in XXXX XXXX, IL and a phone number of ( XXXX ) XXXX attempting to collect a medical bill in the amount of {$1600.00}. Although I did receive the service they referenced on XX/XX/year>, I never received a bill for this charge. I have now discovered this is a bill from a physician on duty at the hospital and the bill was erroneously sent to the insurance XXXX with incorrect information. I was covered under an HMO at that time and would not have been responsible for any payment for services rendered as only a co-pay was required and was paid at the time of service. 
This collection agency now reported this bill to the credit bureau resulting in a XXXX point reduction to my credit score. They have refused to work with any urgency to remove this negative mark on my credit despite the fact that they now know that the physician 's office was at fault for the incorrect billing. I am not at fault and have demanded that the not to the credit bureau be rescinded immediately but they refused to act with any immediacy. 
Didn't POTUS just issue an EO banning medical bills from affecting a citizen 's credit score? I have earned an over XXXX score over XXXX  years of prompt payments without any blemish until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

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 2025-01-08 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

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 2025-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
Mohela is the worst!!!! 
I have been calling them and wait for several hours just to speak with someone. After giving all the information for verification they will put me on hold again for hour until it gets disconnected. How is this XXXX loan servicer still open? 
I have been requesting the total amount of refund that was sent to me and pending Refund and can not even help me. They do not know how hard it is to deal with them. I demand that they provide the information I have been requesting for months. They are the worst!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

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