vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: PA

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely 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
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a phone call from a debt collector for a medical bill owed from XXXX. I asked what hospital it was for and the caller said it was for XXXX XXXX XXXX XXXX I don't use XXXX XXXX XXXX XXXX, I use XXXX XXXXXXXX. I let him know I don't use that hospital so that couldn't be right. The next day XX/XX/XXXX i received another call from the same debt collector when i answered he said he had called me the day before and that he was reaching out to collect a debt. The caller then says he has 2 medical bills from XXXX XXXX and said the amounts of them one of the amounts i had remembered from the day before the amount was XXXX. I asked wasn't that from XXXXXXXX XXXX XXXX cause that's what i was told the day before. I told him he needed to make sure which hospital it was so he could get his story straight. I do have a XXXX bill on my credit report from this company so now I have to figure out which hospital and if it was really me that got seen if from XXXX XXXXXXXX XXXX I also asked him to remove this from my credit report and he wanted me to pay the bill first.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: PA

Complaint narrative:
XXXX XXXX told me the dent came off. American Profit still reporting to XXXX XXXX XXXX XXXX  that the debt is active. Its seven years later and that debt supposed to be gone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL 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 explanation
Consumer complaint received 2025-02-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute certain accounts and inquiries appearing on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I am requesting verifiable proof, including my signature or electronic signature, to substantiate their legitimacy.

This letter is submitted personally and not through a third party, so I urge you to review it carefully. I never authorized these actions, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ], regarding the blocking of information resulting from fraud or a data breach, and Section 604 [ 15 U.S.C. 1681b ], concerning the permissible purposes of consumer reports.

I have already contacted the companies involved and found that these actions were taken without proper validation or original proof. Since I did not authorize these accounts or inquiries, they are inaccurate and must be removed as they stem from a data breach or the unauthorized reporting of my consumer information by creditors or third-party data furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
Called the operator to verify debt. Operator asked for last 4 of SSN, my full name, birthdate, address, and credit card #. Gave all information to the operator and operator said her screen froze and will call me back. no return call from the operator. operator charged me {$1.00} for XXXX XXXX XXXX report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Yes I have dates where I was scam by a person pretending to be a church where I was sending charity donations. The guy is not a church he scammed me out of XXXX plus dollars. I requested cash app to do an investigation and get my money back from XXXX XXXX going by XXXX XXXX. They said they cant do anything. I requested back my money for him and he declined it. It had total XXXX transactions at different amounts and time. I will attach screenshots of the amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
Company prints statement on the XXXX of each month. Statement is always mailed late so it not received until usually the XXXX of the month. This pattern has happened every month since I took out the loan. Due date is the XXXX of the month, and if the payment is not received on the due date, you receive automated calls stating to call them, customer service then says your payment is late. Further they say they can not control the mail, but don't worry your still in the grace period. Common sense says it is not the post office it is your mailroom operation, mail the statement on time. I have complained every month, they say they filed a complaint form, but no one calls back, you only talk to customer service clerks! 
I am not late ; Service Finance is always late!

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 2025-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I did not apply for a student loan or received funds from student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts appearing on my credit report, and I have no idea how they got there. As part of my routine, I checked my report, but this time, I noticed unexpected discrepancies. Hoping it was just a system error, I refreshed my browser, but the inaccuracies remained. Due to this issue, I request a thorough review of the documents I have submitted so I can put this matter behind me for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-02-14 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: TX

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint against Synchrony Bank, which issued my PayPal credit card, for its failure to properly investigate and resolve a fraudulent transaction dispute. 

Transaction Details : Purchase Date : XX/XX/scrub> 2024 Amount : {$520.00} Merchant : XXXX ( Seller : " XXXX XXXX '' ) Product Ordered : Smartphone Product Received : Cheap earrings ( Bait-and-Switch Scam ) Issue Summary : I purchased a smartphone through the XXXX app for {$520.00} using my PayPal Credit ( issued by Synchrony Bank ). However, instead of receiving the phone I ordered, I was sent a pair of cheap earringsa clear bait-and-switch scam. 

When I attempted to return the fraudulent item through XXXX, I was unable to do so due to technical issues on their platform. Their return request button was inactive, making it impossible to initiate a return. Online research shows that other users have reported this same issue, indicating a systemic problem. I also called and emailed XXXX multiple times, but they never responded. 

Dispute Attempts with Synchrony Bank & PayPal : After failing to resolve the issue with XXXX, I filed a dispute with Synchrony Bank twice. However, Synchrony rejected my claim both times, citing XXXX return policy deadlinewhich is irrelevant since XXXX deliberately blocked my ability to return the item. 

I provided detailed documentation, including : Proof of purchase Photos of the item received ( earrings instead of a smartphone ) Screenshots of XXXX inactive return button Emails and call logs showing XXXX lack of response Despite this evidence, Synchrony Bank failed to conduct a proper investigation and sided with a fraudulent merchant. Their failure to acknowledge a clear case of fraud has left me financially harmed. 

Why This Violates Consumer Protections : 1. Bait-and-Switch Fraud : The seller deliberately sent an incorrect item to avoid fulfilling the original order.

2. Denial of Right to Return : XXXX intentionally made it impossible to return the item within their stated window.

3. Failure to Investigate : Synchrony Bank did not properly assess the evidence I provided, violating the Fair Credit Billing Act ( FCBA ), which protects consumers against fraudulent charges.

I appreciate your time and attention to this matter and look forward to your assistance in resolving this dispute fairly. Please let me know i

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 monetary relief
Consumer complaint received 2025-02-13 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: NJ

Complaint narrative:
Dear TransUnion Support Team, I am writing to address a concern regarding my recent dispute investigation. I noticed that my dispute investigation for the XXXX XXXX account has been marked as canceled, which I did not request. 

I would like to formally request that the XXXX XXXX account be purged from my credit report, as it is not my account. This account has been causing inaccuracies in my credit data, and I need it removed as soon as possible. 

Additionally, I have communicated with XXXX XXXX on several occasions, requesting that this data be removed from my record, as they do not have my signature on file. I can provide copies of these communications if needed. 

Please rectify this issue at your earliest convenience and confirm that the account has been removed from my record. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Fair collection and outsourcing, keeps reporting different fraudulent amounts to the credit bureau. XXXX, XXXX, XXXX. I have stated several times that I dont owe fair collection and outsourcing, anything I havent signed any with this company. Im submitting my police report # XXXX to you CFPB to be sent to XXXX, XXXX, XXXX Requesting that Fraud account Fair Collection & Outsourcing be remove off of my credit profile by all three credit bureaus.Transunion, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-14 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: NY

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
Consumer complaint received 2025-02-14 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: DE

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my credit regularly, and this time, I was shocked to see discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it was a glitch, but the issue remained. This is incredibly frustrating, and I need this matter addressed immediately. Please review the documents I have provided so I can stop worrying about this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-14 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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