vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA, XXXX Re : Request for Reinvestigation and Removal of Inaccurate Information Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally request a reinvestigation of the collection account reported on my credit file, as listed above, by PROCOLLECT , INC . I have reviewed my credit report, which was generated on XX/XX/XXXX, and I am disputing the accuracy and completeness of the information pertaining to this account. 

Specifically, I request that you : Verify the accuracy and completeness of the account details. 

Confirm that this debt and its reporting comply with all applicable laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Delete or correct the information if any errors or discrepancies are found during your reinvestigation. 

Attached to this letter, you will find a copy of my credit report, which highlights the account in question, as well as any other relevant documentation to support my dispute. 

Under the Fair Credit Reporting Act, you are required to reinvestigate my claim and either verify the accuracy of the disputed information or delete it from my credit file within 30 days of receiving this request. Please notify me in writing of the results of your investigation and provide an updated copy of my credit report once the necessary corrections or deletions have been made. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2025-02-10 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: TN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2025-02-10 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:
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. US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 2025-02-10 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: FL

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-10 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
Dear [ XXXX XXXX Loan Servicer ], I am writing to formally dispute the handling of my student loan due to the recent FERPA violation involving unauthorized access and mishandling of student loan borrower data. Given this breach, I am requesting an immediate review of my account and full loan forgiveness as a remedy for this violation of my federal rights.

My concerns include : 1. Unauthorized Access to My Student Loan Data Recent reports indicate that borrower information was accessed by unauthorized individuals. This is a direct violation of FERPA protections, which require my student records to remain private.

2. Failure to Secure My Personally Identifiable Information ( PII ) My Social Security number, financial records, and other sensitive data should have been safeguarded. This failure puts me at risk of identity theft and financial harm.

3. Breach of Trust and Federal Compliance As a borrower, I entered into this agreement with the understanding that my data would be handled securely and lawfully. This breach calls into question the legitimacy of my loan servicing and the Department of Educations compliance with borrower protections. 



My formal request : Due to this serious violation of federal law, I demand full discharge of my student loan balance as an appropriate remedy. The government and its loan servicers have failed to uphold their legal responsibility to protect my private information. I should not be expected to continue repaying a loan that was mismanaged and that has exposed me to financial risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
Dear [ XXXX XXXX Loan Servicer ], I am writing to formally dispute the handling of my student loan due to the recent FERPA violation involving unauthorized access and mishandling of student loan borrower data. Given this breach, I am requesting an immediate review of my account and full loan forgiveness as a remedy for this violation of my federal rights.

My concerns include : 1. Unauthorized Access to My Student Loan Data Recent reports indicate that borrower information was accessed by unauthorized individuals. This is a direct violation of FERPA protections, which require my student records to remain private.

2. Failure to Secure My Personally Identifiable Information ( PII ) My Social Security number, financial records, and other sensitive data should have been safeguarded. This failure puts me at risk of identity theft and financial harm.

3. Breach of Trust and Federal Compliance As a borrower, I entered into this agreement with the understanding that my data would be handled securely and lawfully. This breach calls into question the legitimacy of my loan servicing and the Department of Educations compliance with borrower protections.

My formal request : Due to this serious violation of federal law, I demand full discharge of my student loan balance as an appropriate remedy. The government and its loan servicers have failed to uphold their legal responsibility to protect my private information. I should not be expected to continue repaying a loan that was mismanaged and that has exposed me to financial risk.

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 2025-02-10 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: NJ

Complaint narrative:
Dear [ XXXX XXXX XXXX XXXX ], I am writing to formally dispute the handling of my student loan due to the recent FERPA violation involving unauthorized access and mishandling of student loan borrower data. Given this breach, I am requesting an immediate review of my account and full loan forgiveness as a remedy for this violation of my federal rights. 

My concerns include : 1. Unauthorized Access to My Student Loan Data Recent reports indicate that borrower information was accessed by unauthorized individuals. This is a direct violation of FERPA protections, which require my student records to remain private. 


2. Failure to Secure My Personally Identifiable Information ( PII ) My Social Security number, financial records, and other sensitive data should have been safeguarded. This failure puts me at risk of identity theft and financial harm.

3. Breach of Trust and Federal Compliance As a borrower, I entered into this agreement with the understanding that my data would be handled securely and lawfully. This breach calls into question the legitimacy of my loan servicing and the Department of Educations compliance with borrower protections.

My formal request : Due to this serious violation of federal law, I demand full discharge of my student loan balance as an appropriate remedy. The government and its loan servicers have failed to uphold their legal responsibility to protect my private information. I should not be expected to continue repaying a loan that was mismanaged and that has exposed me to financial risk.

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 2025-02-10 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: GA

Complaint narrative:
I received a copy of my credit report recently, and observed the following credit inquiries do not belong to me due to fraudulent activity

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 2025-02-10 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: NY

Complaint narrative:
Please check the information concerning the equifax data breach in attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I got five major things on my credit report that are not mine one was one was for a car that my son did and it's in my name and it's repossession for {$13000.00} and the other two are are from XXXX XXXX they will not take it off I've sent numerous things numerous things and it is it is really hard for me to get credit or do anything with my house or get another car I don't know what else to do I would like to hit him in their pocket because that's what they're doing to me

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 2025-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
https : //www.synchrony.com/accounts/ I financed a purchase through XXXX XXXX XXXX on XX/XX/year> and XX/XX/year>, managed by Synchrony Bank XXXX Due to difficulties accessing my account without a debit card or readily available account information, I was unable to make timely payments. Despite my efforts to resolve the issue, I was charged late fees. I contacted Synchrony Bank multiple times to explain the situation and request a waiver of the late fees, but they refused, citing previous waivers. The accessibility issues were beyond my control, and I believe the late fees are unfair under these circumstances.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of Business. Despite using Zelle and reporting discrepancies my financial intuition and Zelle failed to investigate my claims properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Exto Inc.
State: TN

Complaint narrative:
ATLAS bank offers a credit card to people with no or low credit. It is advertised as a credit card with XXXX % APR and up to a XXXX XXXXXXXX sign up bonus that is the exact phrasing which is important for later, along with other standard credit card features like up to 25 % cash back. Upon applying for the card I was given a {$50.00} line of credit. This is an extremely low line of credit, I was recently approved for {$1500.00} by a different creditor. There is a monthly fee of {$9.00} making the credit line effectively over 200 % interest rate since the credit lines they offer are so low. Additionally, in order to be eligible for their sign up bonus they require you to spend the entire {$50.00} and pay it off once a week for several weeks. Each time you are entered into a drawing to receive account credits. There is no cash on the table and you are required to complete additional actions to receive the bonus so it is not a sign up bonus as advertised. Even worse, they charge the first months payment the instant the account is opened not after the first month which is not standard for credit accounts with fees. I clicked a button on the website to close my account and they emailed me to try to force me to confirm by email that I wanted it closed and when it went to junk they closed the case after only a few hours leaving my account open. Thankfully I saw the email in my junk folder. When I reached out to support I asked them to close my account and stated that I believe the actions are predatory and false advertisement to which they responded by asking me to leave a positive review despite what I said. They also said I will still be responsible for paying that fee despite having immediately closed the account upon realizing what it is, literally within minutes of it being opened and before using any credit. This account was advertised as a credit card not a credit building subscription. This is a blatant scam to steal money from vulnerable people with low credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/year> a charge of {$490.00} and a charge of foreign currency fee of {$13.00} came in into my checking account I have disputed this charge XXXX times already with my bank PNC I had to do their job by researching what the merchant was since it says hospitality on my statement and did not give clear information so I searched and found out it was a sports store I did not buy anything there and I also have a pnc credit card 0 % for XXXX months and no international fee by having that I only used my credit card I never used my debit card and pnc keeps declining my dispute for the XXXX time.

Company response to consumer: Closed with monetary relief