vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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 follow up on a formal dispute letter I sent on XX/XX/year>, regarding XXXX accounts ( XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX ) currently reporting on my credit file. These accounts were flagged as unauthorized and are directly connected to the Equifax data breach, for which I have provided supporting documentation. I have attached a copy of the original dispute letter ( dated and time-stamped ) along with the data breach claim for your review. 

Despite my clear request, you failed to provide any explanation or evidence of your method of verification, which is a direct violation of your duty under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy. XXXX XXXX XXXX established that a consumer reporting agency must go beyond a superficial review and conduct a reasonable investigation when a consumer disputes information on their report. Your lack of response or meaningful investigation demonstrates a clear disregard for this legal precedent. 

Furthermore, in my original letter, I stated that if these accounts were not removed within 30 days, I would pursue legal action. It has now been XXXX months since that letter was sent, and the disputed accounts remain on my report without proper verification or justification. Your failure to act in good faith has left me no choice but to seek monetary relief through legal avenues for violations of the FCRA, including but not limited to negligent and willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX. I initiated an international wire transfer from my checking account at Bank of America on XX/XX/XXXX for the amount of {$4700.00}. 
XXXX. This wire was never delivered to the recipient. 
XXXX. I called Bank of America to enquirer about the wire transfer for the first time on XX/XX/XXXX. 
XXXX. On XX/XX/XXXX I was informed that the wire transaction could not be completed due to an incorrect reason code that I used for the transfer. Local regulations in the recipient country ( XXXX ) prevented the deposit. I was also told that the wire was set to be returned to me. 
XXXX. When I asked about timeline for the return, I was told that Bank of America could not give me a timeline and that this was " normal ''. However, it was also shared that typically they have seen returns in XXXX business days. 
XXXX. The wire funds were verified to be held at Bank Of America 's local branch in the recipient country in XXXX, XXXX XXXX. I have been following up every week since then with Bank of America customer service and the message I get is still the same : " The wire could not be deposited and is on its way to be returned to you ''. There is never a guarantee of timing on when the return will be completed. onboard XXXX separate occasions, the customer service agent " escalated '' my ticket. 
XXXX. Today, it is XX/XX/XXXX, XXXX month from when the wire transfer was initiated and XXXX business days later. I don't have the money back or an update on timing I'm writing to the CFPB to complain as I believe Bank of America has no intention to return my funds and I have no recourse through them to obtain justice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I contacted Credit Acceptance and spoke with XXXX I was offered a payoff that I accepted. I made a {$2900.00} payment in XXXX, another payment on XXXX, and paid the car agreement off on XX/XX/year>. Credit acceptance has sent me a pay off completion of the car. However Credit acceptance reported me XXXX late on XX/XX/XXXX this car had been paid off 11 days at this point and my credit score dropped XXXX points. I need these lates removed. I also went through credit acceptance, dispute process, and filled out their mail in dispute. That is when they reported me again in XXXX stating that the late are correctly reported and reported me for XXXX being 180 days late when the car was already paid off. This is incorrect credit reporting!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
I made a payment of {$1200.00} back in XX/XX/year>, but that still has not been applied to my account. Once again, I have attempted to call them, and they can not account for this payment. However, the Department of Education did, in fact, take it from my account when I made the payment directly on the Mohela website. 

Secondly, I am wondering where the reimbursement payment that my school sent back to them is. This time, it was XXXX XXXX  that sent the excess of the disbursement that was unused for tuition, which has also not been applied. I have attempted to call multiple other times, and my wait times are greater than XXXX hours. one time, I waited and got hung up on before anyone even said hello, as if they were just picking up and hanging up to lessen the call queue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-04-11 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TX

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — Store credit 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: GA

Complaint narrative:
I filed a previous complaint with Synchrony Bank the consumer CC for XXXX and XXXX. I received a letter of apology stating that my account would be adjusted, it has not been adjusted. this is the second complaint. I would like to escalate my complaint/ If I stopped making payments on something I don't owe, they would take action against me and it would go against my credit, they would send it to a collection agency. Yet when I make a compaint nothing is done, there have been no repercussions. you sent me a letter stating that this case was closed. It should not have been closed!! Please reopen and do something about this consumer fraud! 

Complaint ID 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 2025-04-11 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Apple Card/GS Bank USA for willfully reporting inaccurate and misleading information on my credit report regarding an account. Despite clear evidence demonstrating that the account was charged off, paid in full, and the debt discharged, Apple Card/GS Bank USA continues to report this account as delinquent with a balance of {$4500.00}. This conduct is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n, which establishes liability for willful noncompliance.

Background : Apple Card/GS Bank USA Account Details : Account Number : XXXX Reported Balance : {$4500.00} Status on Credit Report : Charge-off Charge-off Documentation : The charge-off amount of {$4500.00} was an internal charge-off, for which Apple Card/GS Bank USA received a tax benefit under " XXXX XXXX XXXX XXXX XXXX XXXX IRS Publication XXXX, Chapter XXXX ). 

As noted in XXXXXXXX XXXX XXXX XXXXXXXX, a creditor who issues a charge-off XXXX trigger a mandatory duty under IRS regulations XXXX file a XXXX form, resulting in tax consequences. 

Apple Card/GS Bank USAs Actions : Despite my submission of supporting documentation, Apple Card/GS Bank USA continues to report this account with a delinquent balance and status.

The continued reporting of this account as a charge-off after the debt was written off and a tax benefit received is not only inaccurate but unfairly affects my credit profile.

Legal Violations : Violation of 15 U.S.C. 1681e ( b ) : Apple Card/GS Bank USA is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. The continued reporting of this account as a charge-off violates this statutory duty.

Violation of 15 U.S.C. 1681i ( a ) : Apple Card/GS Bank USA is obligated to conduct a reasonable investigation of disputed information. My experience with Apple Card/GS Bank USAs failure to correct this inaccuracy indicates willful negligence.

Violation of 15 U.S.C. 1681n : Apple Card/GS Bank USAs willful noncompliance with the FCRA entitles me to statutory damages of {$1000.00}, as well as potential punitive damages for the harm caused by their inaccurate reporting. 

Harm Caused : The inaccurate reporting of this account has significantly harmed my creditworthiness, leading to : Potential denials of financial products. 

Increased stress and reputational damage. 

Time and resources spent disputing these inaccuracies. 


Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
Student loans held by XXXX plan members, loans that have been placed in administrative and / or processing forbearance due to the current injunction, are now beginning to accrue interest, despite being in a 0 % forbearance. 

My loan balance increased by over {$30000.00} between XX/XX/XXXX and XX/XX/XXXX. This seems to be affecting a large number of XXXX plan members. Complaints have been made with MOHELA, whose agents have stated that XXXX will make a correction / adjustment at some point. Meanwhile, when contacted, XXXX directs loan holders to reach out to MOHELA. There is no accountability for this interest accrual while loans are in 0 % forbearance, a forbearance that student loan holders did not ask for and have no control over. There is also no documentation or communication stating why, how, and when this interest was accrued. 

This interest accrual needs to be halted immediately and account balances corrected to reflect the 0 % forbearance student loan holders have been unwillingly placed into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-11 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: GA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution 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