vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: FL

Complaint narrative:
Dear XXXX Representative, I am writing to formally dispute an alleged debt listed on my credit report under your companys name for the amount of {$180.00}, dated XX/XX/year>2024. Upon contacting XXXX directly, your representatives informed me that the balance was {$130.00}. Despite this discrepancy, I have no knowledge of this debt and have never received any formal communication, notice, or validation regarding its existence. 
The loan ID given to by an agent is XXXX. 


I have repeatedly brought this matter to your attention and requested additional details and documentation to substantiate the debt. Unfortunately, your company has failed to take any meaningful action to address my concerns or provide adequate proof of this claim. In the meantime, I have been subjected to persistent calls and emails from your company, which are being filtered into my junk mail folder due to their unsolicited nature. This ongoing harassment has only compounded my frustration. 

This matter has caused undue stress, damaged my credit standing, and raised serious questions about the validity of this debt. Therefore, I am requesting immediate corrective action on your part. Specifically, I request the following : XXXX. Cease all collection activities related to this alleged debt until it is properly validated. 
XXXX. Provide written documentation validating this debt, including the original creditor details, transaction history, and any agreements or contracts bearing my signature. 
XXXX. Immediately remove this debt from my credit report if you are unable to provide proper validation. 
XXXX. Notify all relevant credit reporting agencies of the removal to ensure that my credit report is corrected promptly. 

This letter serves as a formal dispute under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under these laws, you are required to suspend collection activities until this matter is fully resolved and to provide proper documentation to substantiate the debt. 
I expect to receive a written response addressing this matter within 30 days of your receipt of this letter. If you fail to provide adequate validation or take corrective action, I will have no choice but to escalate this matter. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I reserve the right to pursue legal action if necessary to protect my rights and address any further damage to my credit or reputation. 

Thank you for your prompt attention to this matter. I hope to resolve this issue quickly and amicably.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased furniture at XXXXXXXX XXXX. Synchrony bank offered 0 % financing for the promotional period. When I first charged the furniture, I spoke with their chat twice to ensure the payments were setup to where I would pay enough to have all of the items paid off before their due date. I did this twice and each representative assured me they would be applied properly so they were paid off. I confirmed twice and then let it be on autopilot. Fast forward to the first promotional period end and I was charged the full interest amount for the first purchase. When I inquired again on their chat and explained that I went through this twice to get it setup properly they acknowledged their misinformation and repeated the terms to me. They only allow you to make payments and then they determine how they are applied and to which promotions. You are not able to direct them. They say I should have contacted them every month to be sure they were applied correctly despite saying it was all setup properly in the beginning. Then the promotion disappears from your promotions tab and they continue to charge you interest. But you dont think youre paying interest or have anything accruing because theyve deceptively removed it from your account. So not only do they apply the balances anywhere they want, and mostly to the balances that are due later ; then remove it from your online account so you arent aware of it. Meanwhile interest continues to accrue. Their chat agents dont provide correct information and they arent held accountable. They only apologize for the previous representatives misinformation. And say here are the terms. I was well aware of the terms and was assured it was all setup properly. It is deceptive and in reading a lot of online reviews this is a common practice of theirs. To apply the payments to the future promotions and leave the expiring promotions unpaid so they can charge 36 % interest. They need to be punished as this is no way to do business. I can understand if I was not paying then I should be responsible. But when I am paying what they told me to pay and then they say Im sorry someone gave you wrong info but here is a {$700.00} bill for our mistake? Thats wrong n Ive attached my current promotional balances and you can see there is nothing that is past due here. Again, deceptive. I would attach the chats but they dont allow you to save those or send them to yourself. Another deceptive practice that puts the consumer with no way to prove they were deceived.

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 2025-01-06 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-06 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: MD

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
XXXX tenth my mother in law tried to pay me early for my birthday, Venmo immediately took the money no explanation ( {$100.00} ). Now I texted my mother in law and asked if she was going through a process with Venmo and she was but it wasnt supposed to be the one between her and I. I decided to let it ride out before I contacted them until it went downhill XX/XX/XXXX my husband tried to send me {$20.00} and Venmo immediately took it no explanation. XX/XX/XXXX my best friend tried to send me {$14.00} and Venmo immediately took that as well. XX/XX/XXXX the dispute between my mother and law and I finally went through and Venmo immediately took {$34.00} and then took the other {$66.00}, and then after that is now telling me I owe {$66.00} dollars to even get my account back right now. I then called Venmo multiple times multiple days and they didnt answer. On XX/XX/XXXX I was finally able to reach them, the guy basically talked over me the whole time and talked my ear off for XXXX minutes not listening to basically anything I was trying to say and then told me they would email me with an answer in XXXX business days. End of XXXX they finally emailed me and said they arent gon na do anything, its basically not their problem and they wont do anything until I pay them another {$66.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 


I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my TransUnion consumer credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include a credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have also resulted in fraudulent hard inquiries and collections appearing on my credit report. I demand that all aforementioned fraudulent items be removed from my credit reports and that all related collection activity cease immediately pursuant to my rights under the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), and ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-01-06 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: IL

Complaint narrative:
Complaint Description : I am filing this complaint against both XXXX and Experian regarding the inaccurate reporting of my auto loan account # XXXX with XXXX XXXX XXXX The vehicle associated with this account was voluntarily surrendered on XX/XX/XXXX, due to financial hardship. Despite this, both XXXX and Experian continue to report late payments through XXXX and XXXX, which is inaccurate, misleading, and unlawful under the Fair Credit Reporting Act ( FCRA ). 

The ongoing reporting of late payments after the voluntary surrender date violates the accuracy requirements outlined in FCRA Section XXXX. Additionally, there are discrepancies in the balance amounts reported by XXXX and Experian, further highlighting the inaccuracies in the reporting. 

Summary of Issues : XXXX. Inaccurate Late Payment Reporting : Both XXXX and Experian continue to report late payments on this account beyond the voluntary surrender date of XX/XX/XXXX. 
XXXX. Failure to Update Account XXXX : The account status has not been updated to reflect the correct status of XXXX Surrender. 
XXXX. Discrepancies in Account Balances : XXXX reports a past-due balance of {$14000.00}. 
Experian reports a past-due balance of {$14000.00}. 

These discrepancies indicate that XXXXXXXX XXXX is not providing consistent and accurate information to the credit bureaus.

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 2025-01-06 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: PA

Complaint narrative:
Hi XX/XX/XXXX experian decreased my credit XXXX point when I check it they show in my XXXX credit card like XXXX debt but its wrong I never use credit like that I always pay on XXXX XXXX in 2 days, and I disputed this debt on experian they tell me youre right and they just send me XXXX points back I want from them my XXXX points its unfair and for no reason!!!

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 2025-01-06 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: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not and should not be reporting. 
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 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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 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 2025-01-06 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Bank, credit title loan send them stuff to other people credit monitoring selling debt to other companies call Na I said dont call third-party companies

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 2025-01-06 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: MI

Complaint narrative:
I am filing this complaint regarding the inconsistent reporting of the closed date for a XXXX account XXXX on my credit reports from TransUnion and XXXX. Both credit bureaus have verified this information as accurate, yet the closed date reported differs between the two, indicating a clear violation of the Fair Credit Reporting Act ( FCRA ). 

The discrepancies in the closed date are misleading and undermine the accuracy and integrity of my credit reports. Specifically : FCRA Section 623 ( a ) ( 1 ) : Information provided to credit reporting agencies must be complete and accurate. Reporting different closed dates for the same account violates this requirement.

FCRA Section 605 ( a ) : Credit bureaus must not include information that is incomplete or misrepresents an account 's status.

FCRA Section 611 ( a ) ( 1 ) : Credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccuracies. 
Despite my prior disputes, both TransUnion and XXXX have failed to address this inconsistency or provide an explanation for the differing dates, continuing to report contradictory information as " verified. '' This failure to ensure consistency across credit bureaus has negatively impacted my credit profile and financial opportunities. 

I request that the CFPB investigate the following : Why TransUnion and XXXX have verified inconsistent closed dates for the same XXXX account. 
Whether XXXX has failed in its duty as a data furnisher to report accurate information to credit bureaus. 
Immediate removal of the XXXX account from my credit reports due to its inaccurate and misleading reporting. 
For your review, I am including the following documents : Copies of my credit reports from TransUnion and XXXX showing the inconsistent closed dates for the XXXX account. 
Any prior correspondence with TransUnion, XXXX, and XXXX regarding my disputes. 
I request your assistance in enforcing my rights under the FCRA and ensuring that my credit reports reflect only accurate and consistent information. The harm caused by this misleading reporting warrants immediate action and correction. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide updates as your investigation proceeds.

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 2025-01-06 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: MI

Complaint narrative:
I am submitting this formal complaint regarding the inaccurate and misleading reporting of a XXXX account XXXX on my credit report. Both TransUnion and XXXX have failed to address the specific violations under the Fair Credit Reporting Act ( FCRA ) despite my efforts to resolve this issue directly with them. 

The account in question is closed, yet it is inaccurately reporting as having a current late payment. This constitutes illegal re-aging of the account and is a direct violation of the FCRA, specifically : FCRA Section 623 ( a ) ( 5 ) : Furnishers of credit information must ensure accurate reporting of account statuses. Reporting a current late payment on a closed account violates this requirement.

FCRA Section 605 ( a ) : Credit bureaus are prohibited from reporting information in a way that is misleading or incomplete.

FCRA Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct reasonable investigations into disputed accounts. 
Despite my formal disputes, TransUnion and XXXX have maintained that the information is accurate without properly addressing the illegality of reporting late payments on a closed account. This failure to perform a reasonable investigation has caused harm to my creditworthiness and financial standing. 

I request that the CFPB investigate the following issues : TransUnion and XXXX 's failure to conduct reasonable investigations into my disputes under FCRA Section 611.

SAFCOs illegal re-aging of the account and continued furnishing of inaccurate information.

The continued reporting of this inaccurate information has negatively impacted my XXXX XXXX and financial opportunities. I am seeking the immediate removal of this account from my credit reports and enforcement actions against the responsible parties. 

Thank you for your attention to this matter. I look forward to receiving a response confirming that this issue is being investigated and resolved.

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