vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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 PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-02-27 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: MI

Complaint narrative:
This company ( XXXX ) collection process and website is confusing and misleading. I was set up for automatic payments out it was only taking out incorrect payments. When contacting the company I made payment and set payment arrangements for the balance. After making these payments as agreed the place a 90 day deliquecy of unpaid on my credit report dropping it over XXXX points. After attempting to contact company for a week straight I have not been able to reach anyone. Been on hold with company for hours each day. 

I request that this negative reporting be removed from all credit reporting agencies.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
This company ( PayPal ) collection process and website is confusing and misleading. I was set up for automatic payments out it was only taking out incorrect payments. When contacting the company I made payment and set payment arrangements for the balance. After making these payments as agreed the place a 90 day deliquecy of unpaid on my credit report dropping it over XXXX points. After attempting to contact company for a week straight I have not been able to reach anyone. Been on hold with company for hours each day. 

I request that this negative reporting be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This company ( XXXX ) collection process and website is confusing and misleading. I was set up for automatic payments out it was only taking out incorrect payments. When contacting the company I made payment and set payment arrangements for the balance. After making these payments as agreed the place a 90 day deliquecy of unpaid on my credit report dropping it over XXXX points. After attempting to contact company for a week straight I have not been able to reach anyone. Been on hold with company for hours each day. 

I request that this negative reporting be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: UT

Complaint narrative:
I graduated in XXXX of XXXX. I make XXXX a year as a XXXX XXXX. I was initially on an IDR plan that worked really well. Without notice, I received a bill for a standard repayment plan. I was then put on forbearance by calling. Since XXXX, I have attempted to put my account back in forbearance as you still can not pay on an IDR plan because the standard payment amounts will put me into homelessness. I finally was able to get through to an " advanced representative '' on XX/XX/XXXX despite waiting 10+ hours and being hung up on. She stated that I would be put into forbearance and that my account would be put in good standing. However, 10 days later, my account looks the exact same with another upcoming payment due on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
My social security check status showed pending on XX/XX/2025 and continued a pending status until XXXX XXXX  cst, XX/XX/2025. I receive ss deposits on XXXX XXXX  of each month. Although my checking account is not an interest baring account, I believe what Wells Fargo is doing by not releasing finds until XXXX XXXX  the day of required deposit is illegal. When I contacted WF they told me that although the deposit status was shown as pending until XXXX XXXX  day of deposit, I still had access to those funds. Is this legal for banks to do? 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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Sent money previous through Zelle only to realize it was sent to the wrong account due to lack of advising customer to verify correct account or name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
On or about XX/XX/year>, I tried accessing my Robinhood account. I was closed out of the account at that time. Robinhood only allows access to their customer service through the online or app accounts. I was locked out of both, my online and app, accounts. Scared that I had been involved in fraud with Robinhood and they were unwilling/unable to assist me with my account access, I transferred my funds to a different custodian on XX/XX/year>. I have been emailing and calling a " back line '' to access customer service since I received an email from Robinhood on XX/XX/year> stating that my account was closed. I have spoken to 3 customer service agents this week. All 3 have verified that my account is closed, but they can not send me my tax documents or statement until I send them a bank account. I've told all 3 that I will not send a bank statement, because I have no account with Robinhood and all 3 customer service agents hung up on me. 

I would like to get my tax documents and XXXX statement, showing my account has been closed. All 3 customer service agents were from XXXX and I do not trust that there is fraud going on with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-27 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have written letters for years to XXXX for validation of debt according to Fair Debt Collection Practices Act I have disputed these items dated back to 2018, Every time I ask for validation they never have given me any validation that I request and they have never removed this inaccurate information from my credit report keeping me from having the ability to purchase a home for my family and other things that would help my lively hood I would like to have this information be removed and taken off my credit report according to my rights through the Fair Debt Collections Practices Act Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> Equifax Subject : Request for Deletion of Collection Account XXXX Dear Equifax I am writing to dispute the collection account reported by [ Collection Agency Name ] on my credit report. The information reported is incomplete and inaccurate, and I am requesting that this account be deleted from my credit report. 

Details of the Disputed Account : Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Reported Status : Updated Balance, No Monthly Reporting The collection account reported does not include complete and accurate monthly updates regarding payments, fees, or the accumulation of the balance. As a result, the information provided is insufficient to verify the validity of the debt and is potentially misleading under the Fair Credit Reporting Act ( FCRA ). 

Since the reporting of this account does not meet the requirements for completeness or accuracy, I am requesting that it be removed from my credit report immediately. 



Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicing Solutions, LLC
State: MI

Complaint narrative:
This company ( XXXX ) collection process and website is confusing and misleading. I was set up for automatic payments out it was only taking out incorrect payments. When contacting the company I made payment and set payment arrangements for the balance. After making these payments as agreed the place a XXXX day deliquecy of unpaid on my credit report dropping it over XXXX points. After attempting to contact company for a week straight I have not been able to reach anyone. Been on hold with company for hours each day. 

I request that this negative reporting be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failed to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my good standing. I am requesting immediate corrective action to remove or amend the disputed accounts., as Experians inaction violates federal law and my rights as a consumer.

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 2025-02-27 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: FL

Complaint narrative:
I paid my balance in full on XX/XX/2023, of XXXX dollars. The rate was readjusted as if I never paid the balance and there is a delinquency notice on my credit history.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-02-27 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:
I've recently Received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
I've recently Received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have serious concerns about several inquiries from your company appearing on my credit report without my permission.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-02-27 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: LA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX/DOFED XXXX XXXX/DOFED XXXX

Company response to consumer: Closed with explanation