vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. These are the accounts I have marked as inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are also in violation for being inaccurate across all of my credit reports and have different and conflicting information and statuses so please delete and remove from my credit report since this can not be verified or fixed properly and consistenly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per USC 1681g, I formally ask for their deletion within 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Background : - I have had a credit card with Penfed for approx 5 years.

- During this time, I have always made on time payments and have consistently paid around {$4000.00} per month based on a fairly high level of usage.

- Also during this time, I added a car loan with Penfed and have always made this payment on time as well.

- Also during this time, I have kept all my other loans, credit cards, etc. current and don't have any delinquencies which means my credit profile has not had any negative activity which would cause any concern from Penfed. 

Complaint : - On XX/XX/XXXX, Penfed mysteriously decreased my credit line by {$3800.00} which was a complete surprise and was not founded on any change in credit profile. 
- I had just made XXXX large payments ( {$1300.00} on XX/XX/XXXX and {$1800.00} on XX/XX/XXXX ) which opened up my available credit by {$3200.00}. 
- On the day after the second payment was made, they made the {$3800.00} credit line decrease which left me in a financial whirlwind because I was relying on that credit to make purchases. 
- My first complaint is this decrease was not justified from a credit risk profile perspective ( all experience with penfed has been perfect and my credit profile outside of penfed hasn't changed ) - My second complaint is that the decrease seems to be deceptive as I wasn't notified and feel taken advantage of me trying to get my balance down. 
- My third complaint is simply from a customer experience perspective ... this is a terrible way to treat a loyal customer who hasn't had any credit issues.

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV funding LLC is showing up on my credit reports and I would like it removed due to the 15 USC 1693a code. I reached out to them and they couldnt verify my social or address and told me that they could not take legal action or had authorization to report to my credit due to the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2025-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TN

Complaint narrative:
I have no agreement or signed contract with the debt collector True Accord. This item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Subject : Complaint Against CareCredit for Refund Issues Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CareCredit regarding their refusal to issue a refund for a credited balance on my account. 

Here is the situation : I had scheduled XXXX and began making payments to CareCredit in advance. However, the XXXX was canceled, and the XXXX refunded the amount to my CareCredit account, resulting in a credit balance of {$1600.00}. 

Since XX/XX/XXXX, I have contacted CareCredit multiple times ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to request a refund of this balance. Despite assurances from their representatives that a check would be issued, I have been transferred between agents without any resolution. Additionally, I was informed that closing my account would prevent me from receiving my refund. 

Each call results in new and inconsistent information, and I am left without my rightful refund. I am currently working with my bankXXXX XXXX XXXX XXXX  to dispute the payments, but I am uncertain of the outcome. 

I request the CFPB 's assistance in resolving this matter and ensuring that CareCredit issues the refund promptly. I appreciate your attention to this issue and look forward to your guidance. 

Thank you for your support. 

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 2025-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I had a mortgage from XXXX. They sold to Selene Finance. XXXX completed a loan modification and it was accepted and approved before Selene took over. When Selene received the loan they demanded back payment that was to be placed in back of the loan. Instead they demanded and received the payment of {$15000.00} and only put what they wanted to the back of the loan. I Provided Selene with the XXXX documents and they refused my paperwork a demanded payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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 previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX OF XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

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 2025-02-25 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: MN

Complaint narrative:
I made an international transfer of XXXX USD on XX/XX/XXXX from my Bank of America Saving account to an account in XXXX XXXX. I had never have any issues with international wires before. My recipient never got the money. I called Bank of America several times, they were able to track my transfer and said that the recipient was not able to receive it so the money was been sent back to my account. It was supposed to be back in less than 5 days, its been a month and I have not have my money back or any update. Every time I have called I have to wait more than 40 minutes to have the same answer " we will look into it and you should have it back '' with no option for follow up. 

I have called on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX with no luck. I had emailed costumer service as well with no information. This is my money and the transfer back should be in my account with no issues.

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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XXXX, a debit of {$490.00} was taken from my M & T Bank checking account. It was listed as " SUMMARIZED DEBITS ''. I did not authorize this transaction and I do not know from where it came. I immediately contacted M & T and canceled my debit card for that account. I filed a dispute report with the bank, the report number is XXXX. I asked where/from whom the charge came and the bank informed me they did not have that information and could see it only as I did - " SUMMARIZED DEBITS '' - and it was not a bank charge.

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 2025-02-25 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: WI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: WI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC
State: PA

Complaint narrative:
Oliphant LLC repeatedly lied to me about the date of first delinquency. They stated it was XX/XX/year>, but it was actually XX/XX/year>. Company also repeatedly called my phone number after I asked them to remove me from the list. When I spoke with the company, they lied and stated that that the account was in-statute and collectible, when it wasn't, due to being time-barred due to a 4 year collection statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
I've sent multiple letters to the credit bureaus and XXXX XXXX XXXX about a credit card that was fraudulently opened under my name while I was a XXXX XXXX XXXX XXXX that is STILL on my credit report since I discovered this issue in XXXX. The fraudulent party 's total fraud has amounted to {$15000.00} and has caused significant challenges when buying a car, renting an apartment, etc. 

Per a phone call with XXXX 's fraud department, it was confirmed that my dad fraudulently opened this account in XXXX using my social security to extend credit. Please note my birth year is XXXX meaning not only did XXXX fraudulently extend credit, but also extended this credit to a minor. As noted earlier, I never signed documents nor had knowledge of this activity at the time. I did not authorize this card or have any legitimate way to obtain credit as I was still in high school with no verifiable source of income. 

The credit bureau 's have claimed that XXXX verified all of the information they are reporting as correct when XXXX is well aware of this fraud through multiple complaints and identity theft reports. I have lost some of the records due to loss of files on my XXXX XXXX over the years but I've attached everything I do have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MO

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-25 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: Affirm Holdings, Inc
State: OK

Complaint narrative:
My information was involved in a data breach. Which is a violation of the family educational kignts and trivacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. $ 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective 89.7 KI actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax canoed. which invalidates the integrity of my loan XXXX

Company response to consumer: Closed with explanation