vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-04 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: NJ

Complaint narrative:
I'm reaching out to get a refund. I have been trying to since XXXX now and unfortunately XXXX  and XXXX  XXXX  don't seem to want to work with me. I have been in XXXX  after reaching out multiple times for support in regards to jaw pain from XXXX XXXX. Without attachments byte is a scam and doesn't work causes more harm then good I submitted a consumer complaint to my state and will look into legal options they closed down future sales a few weeks after I purchased didn't even move past 2nd aligner the pain was horrific. I tried disputing with XXXX XXXX and was told XXXX  was unwilling to refund. I'd like to avoid a lengthy process and simply receive a refund my XXXX  sets are still in packaging other then first two. have no problem sending them back but won't put them anywhere near my mouth have had 0 pain in jaw with XXXX  but was told by your guys support that it was normal and to continue trusted my gut and didn't wear. At home XXXX  are dangerous not well monitored and XXXX  is engaging in predatory and misleading advertisements failed to meet my needs as a consumer even after complaining about pain on multiple occasions.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: SC

Complaint narrative:
I was never notified by this company, it appeared on the collection section of my credit report. I did not receive any prior notice about the debt going to collection. Per the CFPB and FCRA rules : debt collectors must provide consumers with validation information, written notice, and initial communication within five days of first contact. I have not received a call, text, email, or mail in accordance with the collection account. That is against the law and my rights as a consumer are being abused without consent or fair representation. I would prefer this to be removed quickly because it has affected my credit score on the grounds of having my private information taken without contact or proof of such debt exists.

Update : the company responded to the complaint on the CFPD stating that an email was sent on the XXXX. Which under my own review it is not in my spam or my email. Again I am asking for hard copy proof uploaded in the response portion of this complaint. Also the response proves that I was never notified, how could they send me an email on the XXXX if the collection was added to my credit profile on the XXXX? By law I must be notified within 5 days before the collection is added to my credit profile and I get 30 days right to dispute. It is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. My report incorrectly lists " XXXX XXXX '' under my employment history, which is inaccurate and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a formal dispute against TransUnion regarding inaccurate and outdated information present on my credit report. As a federally protected consumer under the Fair Credit Reporting Act, I have the right to fair, accurate, and up-to-date reporting. However, my credit file currently contains incorrect personal details, including my address, which I did not provide and do not recognize, or outdated. My correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I am unaware of the source of the incorrect information reflected in my report, but this false data has caused significant damage to my credit score and overall financial standing. The presence of inaccurate information raises serious concerns regarding the integrity of my credit file, and I will not tolerate continued negligence in maintaining accurate consumer records. Under the FCRA, TransUnion is legally required to ensure that consumer reports are accurate and free of unauthorized, outdated, or incorrect information. Therefore, I demand the immediate removal of all erroneous details from my credit report. Failure to uphold these legal obligations violates my consumer rights, and I expect immediate compliance with my 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 2025-03-04 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: CA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. 

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. My report reflects inaccurate collections and charge-offs, including XXXX ( XXXX, {$5200.00} ), XXXX ( XXXX, {$810.00} ), XXXX  ( XXXX, {$160.00} ), and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} ). These errors must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian credit report contains unauthorized credit inquiries that should never have been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. My report reflects unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries must be removed immediately.

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 2025-03-04 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: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2025-03-04 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: DC

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
I reviewed my consumer reports and I notice an account in a charged off status that is not accurate. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.The following account is inaccurate ( XXXX ), they are strictly in violation of 15 U.S Code 1601b verbatim in its entirety. This is harming my credit worthiness with these false claims. Also, please investigate and provide proof if these companies submitted a 1099-C, if so, they then recieved a tax grace out and still negatively affecting and violating my rights which is also illegal. If proof cant be provided I DEMAND this account to be deleted, if not please pay the invoice attached. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots and invoice attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
On XX/XX/year>, I discovered that I was a victim of identity theft involving multiple fraudulent accounts. I did not authorize the following : XXXX XXXX XXXX - XXXX - XXXX - {$5700.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$520.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting these accounts be investigated and removed from my credit report. This fraudulent activity has caused financial and personal distress, and I would appreciate your prompt assistance in resolving this matter.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-04 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 am writing to delete the following information from my credit report. The items I need deleted are in this report. I am a victim of identity theft and did not make these charges. I ask that the listed items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's identity theft affidavit. Please delete the following items as soon as possible. 

XXXX XXXX XXXX  XXXX BALANCE XXXX {$10000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX  BALANCE : {$2900.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$710.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$470.00} ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX  XXXX BALANCE : {$0.00} ACCOUNT NUMBER:XXXX XXXX XXXX BALANCE : {$720.00} ACCOUNT NUMBER:XXXX DATE OPENED:XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$460.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX  BALANCE : {$0.00} ACCOUNT NUMBER:XXXX DATE OPENED:XX/XX/XXXX XXXX XXXX BALANCE : {$460.00} ACCOUNT NUMBER:XXXX DATE OPENED:XX/XX/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 2025-03-04 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:
I am writing to delete the following information from my credit report. The items I need deleted are in this report. I am a victim of identity theft and did not make these charges. I ask that the listed items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's identity theft affidavit. Please delete the following items as soon as possible. 

XXXX XXXX XXXX  XXXX BALANCE XXXX {$10000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX  BALANCE : {$2900.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$710.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$470.00} ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX  XXXX BALANCE : {$0.00} ACCOUNT NUMBER:XXXX XXXX XXXX BALANCE : {$720.00} ACCOUNT NUMBER:XXXX DATE OPENED:XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$460.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX  BALANCE : {$0.00} ACCOUNT NUMBER:XXXX DATE OPENED:XX/XX/XXXX XXXX XXXX BALANCE : {$460.00} ACCOUNT NUMBER:XXXX DATE OPENED:XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
XXXX XXXX large amounts of money was taken from my cashapp unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
Dispute on debt related to XXXX First time I use XXXX & I told I only wish to receive treatments that are fully covered by my insurance. If any services are not covered, I would like to be informed in advance! 

I did not request for XXXX XXXX XXXX 
I was not informed of the cost before the service was provided. 
I never received an itemized bill from the XXXX office. 

Now the collection requests me to pay XXXXXXXX XXXX I request to provide envidence when I dispute with XXXX but they not answer There is no bill & evidence sent to my home. 

I believe this is invalid debt but they always told me this is valid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
equifax has a lot of my personal information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. 
The collection account in question is reported by Bank of America has a balance of {$17000.00}. Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines .

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.

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