vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I tried getting my reports from XXXX and it kept giving me an error. I called them to find out why and the reps don't know why, they just say try again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: VA

Complaint narrative:
Following up on the previous application that still is pending for XX/XX/XXXX today is the XXXX I've talked to fascia at the telephone number XXXX and the XXXX none of them can help me keep referring me back to mohela which is the one that refers me to them I've been dealing with this since XX/XX/XXXX. Neither XXXX XXXX nor mohela want to correct this but XXXX said that I received all the information on XX/XX/XXXX and approved and afford it to XXXX on XX/XX/XXXX XXXX  acts like they have not received anything and then I got a notice last week that my payment is due but the letter was from mohela not XXXX and on my credit report on XXXX I've just got XXXX XXXX XXXX for a certain amount then XXXX I have XXXX  and mohela each a certain amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I am a victim of identity theft. Ive contacted all credit bureaus, file a report police report, contacted all furnisher, and contact all banking institutions. Experian, XXXX, and XXXX has not properly investigated this matter. 
This has cause my family and I significant amount of financial burden and would like to bring further action and awareness to the steps not taken into correction of 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my credit report and noticed one bankruptcy in my file. This does not belong 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 non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my credit report and noticed one bankruptcy in my file. This does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: United Collection Bureau, Inc.
State: WA

Complaint narrative:
First, the debt collector contacted me at XXXX a.m., which is a violation of appropriate contact times. Additionally, the debt collector provided me with false information on XXXX separate occasions : ( 1 ) They initially claimed they would submit the claim back to the medical provider with the insurance information but failed to do so. ( 2 ) Subsequently, they stated that the claim had been returned to the medical provider, submitted to insurance, and that the balance owed reflected the amount after insurance payment. However, upon contacting the medical provider, I was informed that the bill had never been submitted to insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ZuntaFi Corp
State: GA

Complaint narrative:
I am filing a complaint against ZuntaFi for the following reasons : 1. Unauthorized Transfer of Loan Agreement : ZuntaFi transferred my loan agreement to XXXX XXXX XXXX  without my knowledge or written consent, violating the Gramm-Leach-Bliley Act XXXX XXXX XXXX XXXX XXXX 

XXXX. Failure to Notify of Sale or Transfer : XXXX failed to provide advance notice of the transfer, breaching their fiduciary duty and violating their obligations under state and federal consumer protection laws. 

XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : ZuntaFi failed to ensure accurate reporting to credit bureaus regarding the loan transfer, violating the FCRA ( XXXX XXXX. XXXX ). 

XXXX. Breach of Securities Laws : If the loan was securitized, ZuntaFi failed to disclose this under XXXX XXXX XXXX ( XXXX XXXX ) and violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which prohibits fraudulent transactions. 

XXXX unauthorized transfer caused : - Emotional distress due to the lack of transparency and the uncertainty surrounding the debt. 
- Financial harm from improper handling of the loan and potential credit impacts. 
- Increased risk of identity theft due to the unauthorized sharing of personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
My applications were denied based on information from my credit file, specifically referencing accounts where I am listed as an authorized user. I applied for MULTIPLE accounts, XXXX XXXX, XXXX and As you may know, authorized user accounts are not reflective of my personal financial responsibility since I am not the primary account holder and am not liable for those accounts. I have attempted to address this matter by requesting to speak with an underwriter for clarification and a potential manual review of my application. Unfortunately, my request to escalate the matter was denied. I believe this decision does not accurately reflect my creditworthiness and is based on factors that should not be considered in evaluating my application. I also emailed corporate and was flat out ignored. I kindly request that someone from the XXXX offices contact me directly to discuss this matter further. Additionally, I am requesting a manual review of my application by an underwriter to ensure a fair assessment of my credit profile.

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 2025-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
This email is referenced to the claim number above. I am requesting the claim be reopened and reviewed. I will complete this email as an appeal with information from the originator XXXX XXXX XXXX. XXXX XXXX sold my debt to a 3rd party collector FMA Alliance, without my signed authorization or notification. Originally the medical bill was paid leaving a balance of {$100.00} that I myself XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had come in agreement with for patient financial assistant program. 

Hospitals can not sell your patient debt to a debt buyer unless you are ineligible for financial assistance, or you have not responded to a hospitals attempt to offer assistance for 180 days. ( XXXX XXXX XXXX and was in communication with hospital in regards to financial assistance )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
Purchased a car from XXXX XXXX on XX/XX/XXXX. Loan was offered/financed through XXXX XXXX XXXX I checked daily to see if my new loan information was available so I could pay off the loan. Took an unusual amount of time for the loan to be available for view on XXXX XXXX. I phoned the dealer and XXXX XXXX XXXX stated nothing from dealer yet, dealer stated they submitted info and to contact XXXX XXXX. After many more days, almost XXXX weeks since the loan was originated, a XXXX XXXX XXXX called the dealer and the dealer verified there was a delay. Stated the delay was on the side of XXXX XXXX but they corrected it. Waited a few more days and then the loan was available for view. That was today, XX/XX/XXXX, for a loan that was originated on XX/XX/XXXX. I followed the steps to create my account, logged in, and requested a payoff. XXXX is charging me interest from the date of origination which is acceptable. What is not acceptable is XXXX charging me interest until now because they had internal delays in booking the loan on their system. I phoned XXXX, spoke with XXXX reps, was told there was nothing they could do, asked for a supervisor, was told XXXX was not available, was told one would call me back. The loan was originated on XX/XX/XXXX and should have, at the very latest, been available for payoff the following week. Because of XXXX internal processes, they are telling me that a payoff was not available until today. This is a predatory lending practicecharging consumers too much interest by not allowing them an opportunity to payoff the loan until XXXX decides its available. XXXX was originated on XX/XX/XXXX and I was not able to request a payoff until today XX/XX/XXXX because of internal process of XXXX XXXX. I am being charged too many days of interest and this is because of the internal practices of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I am writing to formally dispute and address the numerous inaccuracies and violations in my credit report that undermine my trust in your organization and violate federal laws, including the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2025-01-07 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: FL

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2025-01-07 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: TX

Complaint narrative:
I am writing to formally dispute and address the numerous inaccuracies and violations in my credit report that undermine my trust in your organization and violate federal laws, including the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), and Fair Debt Collection Practices Act ( FDCPA ). 

Please view attachment with accounts listed.

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 2025-01-07 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} UNAUTHORIZED INQUIRY : XXXX XXXXXX/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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" On XX/XX/year>, I filed a dispute with XXXX. On XX/XX/year>, they responded claiming to have mailed investigation results, which I never received. They failed to provide : Required documentation proving how accounts were verified Names and contact information of verification sources Specific methods used for verification Copies of any communications with creditors XXXX merely stated accounts were 'UPDATED ' or 'VERIFIED AS REPORTED ' without providing legally required documentation under FCRA 611. This response violates FCRA requirements for proper dispute investigation and documentation. 
Disputed accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX accounts ) I request : Complete verification documentation Names/contacts of verification sources Detailed investigation methods used Copies of all creditor communications ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: RI

Complaint narrative:
I recently reviewed a copy of my report and noticed XXXX had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-07 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

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. 


Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX 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 2025-01-07 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: GA

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. 


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-07 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: AL

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: IL

Complaint narrative:
To whom it may concern : on XXXX XXXX the account was open, on XXXX XXXX account was closed. This is inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to access my credit score and associated information through XXXX account and am only met with a blank page when I log on. I have tried calling TransUnion who sent me to XXXX who said everything was fine on their side and to file with CFPB. I have attached screen shots of the most recent email alerting me to a change in my report of which I clicked to access it along with what I see. I have tried accessing this site on XXXX and XXXX to bo avail.

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