vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report.

I am writing to dispute inaccurate information on my credit report. I recently reviewed my credit report and noticed several inaccuracies I'd like removed. The accounts from XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  are all derogatory with issues ranging from having no knowledge of the accounts themselves and late payments reflected although payments were made on time. I've contacted the creditors, yet the changes have not been reflected on my report. I am requesting that the late payments and inaccurate accounts be removed from my credit report to reflect my true credit history. Thank you for your assistance 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I formally requested that you provide a copy of the original contract bearing my signature that verifies the validity of the alleged debt. Please be advised that simply sending a bill or statement does not constitute valid proof of a contractual agreement.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MA

Complaint narrative:
TransUnion and Equifax both report that I owe XXXX {$130.00}. I have never been a XXXX customer, but my father XXXX XXXX XXXX has paid for my cell coverage through his own XXXX plan. I believe there is a name mismatch since we both share the name XXXX XXXXXXXX XXXX has already closed this claim that I owe XXXX, but TransUnion and Equifax have not- despite numerous attempts to dispute their claims both online and over the phone. I have spoken to XXXX representatives who have informed me that I do not owe them any money. I have never missed a payment in my entire history of over five years of banking. I feel that I am left out of options other than to seek assistance from the CFPB and proceed with litigation if necessary. My credit score has dropped over XXXX points over the last year as a result of this issue.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I purchased XXXX XXXX money orders on XX/XX/year>. XXXX money orders ( {$1000.00} and {$50.00} ) were deposited on XX/XX/year>, and another ( {$1000.00} ) on XX/XX/year>. On XX/XX/year>, PNC advised that the deposits on XX/XX/year>, were fraudulent, and XXXX did not pay the money and reversed the deposits, overdrawing the account. PNC agent XXXX told me to contact XXXX regarding the rejected payment. The last money order was deposited on XX/XX/year>. A 5-day hold was placed on the deposit. On XX/XX/XXXX, PNC advised that XXXX did not pay the money. PNC closed the checking account on XX/XX/year>. XXXX from XXXX advised on XX/XX/year>, that all XXXX money orders were cashed on XX/XX/year>, XX/XX/year>, and XX/XX/year>. She emailed me the Federal Reserve printouts detailing the endorsement data. The column representing the return reason for all money order processing shows blank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-12 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint because all three credit bureausTransUnion, Experian, and Equifaxhave failed to update my credit report despite having received confirmed documentation showing that several inaccurate or fraudulent accounts were deleted. These updates were confirmed by the original creditors or collectors. I am requesting immediate intervention to ensure that all deleted items are reflected on my credit reports without further delay, as this is preventing me from accessing financial services. This matter is urgent and I ask for a speedy resolution.

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 2025-05-12 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681c * * 15 U.S.C. 1681e - * * 15 U.S.C. 1681i - 15 USC 1681 5 USC 1681 ( e ) ( b ).

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 2025-05-12 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 1. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 2.  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX 3. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
The company operating as " Early Warning Services , LLC '' and Zelle collected personal consumer data based on a friend sending me money through Zelle. The personal information included Social Security Number, Personal Checks ( amount, date, and paid status ), Everyday purchases from merchants including location, amount and date. As well as, Checking account numbers, account status 3rd party financial services, and my residential address. Furthermore, " Early Warning Services , LLC '' has shared this consumer information with 3rd party financial services in the application process to determine " credit worthiness. '' On XX/XX/year> I sent a certified letter to " Early Warning Services , LLC '' requesting a freeze based on 605A - 15 U.S.C. 1681c-1 of FRCA. On XX/XX/year> they replied addressing me as CONSUMER : XXXX and stated they are exempt from the FRCA based on FRCA Sec 603. My request specifically stated that " I opt out of you disclosing future information until further notice, including all/any reports furnished EWS regarding all personal information of mine. '' " Early Warning Services , LLC '' cited that they are exempt from my request of " accepting or referring freeze information to other reporting agencies '' and that they are considered a specialty agency. While I understand their practice of not interacting with other reporting agencies, my request was entirely different based on my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Debt was settled and paid off, showing XXXX  balance but still on credit reporting- need deleted immediately per law and regulations as it has been almost 60 days now since paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FC HoldCo LLC
State: DC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information.

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. 

Below is a list of the items I am disputing : ACCOUNTS XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX  -, FLAGSHIP CREDIT ACCEPTAN XXXXXXXX XXXX XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX XXXX - XXXX * *. INQUIRIES : XXXX  XXXX VIA DEALER - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XXXX  XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX, FLAGSHIP CREDIT ACCEPTANC - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit disputes.

Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing E complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance.

I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further.

Enclosed, you will find copies of all relevant documentation to support my dispute. If you have any questions.

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 2025-05-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-05-12 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report.

I am writing to dispute inaccurate information on my credit report. I recently reviewed my credit report and noticed several inaccuracies I'd like removed. The accounts from SPRING OAKS CAPITAL LLC - XXXX XXXX XXXX XXXX XXXX are all derogatory with issues ranging from having no knowledge of the accounts themselves and late payments reflected although payments were made on time. I've contacted the creditors, yet the changes have not been reflected on my report. I am requesting that the late payments and inaccurate accounts be removed from my credit report to reflect my true credit history. Thank you for your assistance resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: MOHELA
State: CA

Complaint narrative:
Good afternoon. I am writing to formally dispute the default status reported on my student loan, which has negatively affected my credit score. I understand the importance of staying current with financial obligations, and I would never intentionally default on a loan. However, in this case, I was never properly notified about the status of my student loan or the need to begin repayment. 

The communications and billing statements were sent to my former residencemy parents housewhich I have not lived at since graduating college. As a result, I was completely unaware that my account had entered default. I only became aware of the issue when I recently checked my credit report and saw the default had been reported. 

Had I received proper notification, I would have addressed the situation immediately. I am currently employed and fully capable of making payments. I am also eager to take steps toward resolving the matter responsibly. However, the default status is now significantly limiting my financial flexibility and damaging my credit standing, which further impairs my ability to resolve this issue efficiently. 

Given that the default occurred without proper notice or an opportunity to cure the delinquency, I respectfully request the removal or adjustment of the default from my credit report. I also ask that my account be considered for rehabilitation or other remedies that allow for correction without the long-term impact of a default that occurred under these unusual and unintended circumstances. 

Thank you for your time and understanding. I am committed to resolving this and welcome any assistance or options Mohela may offer. Please confirm receipt of this message and let me know what documentation or steps may be needed on my part to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> Capital One sent me an email to notify me that my account was closed and asked to call me back. I called back on XX/XX/year> and the agent told me that I'll receive a refund check on my primary mailing address in XXXX  in XXXX to XXXX business days. But XXXX to XXXX business days past and I didn't receive any check and on XX/XX/year> I called Capital One again and they had no idea did they mail me the check, on what address check was mailed, was check delivered or not and said that if I didn't receive the check on my primary mailing address in XXXX, I should check my previous address in XXXX, where I no longer live. They said that I can report the check as lost and they will do an investigation and mail me a new check after XXXX days, not earlier. And during the call they didn't tell me if somebody already cashed out a check or not. I asked them, but they didn't answer. I was worried that somebody stole my check. 

I hung up and asked my friend in XXXX  and she said that she didn't receive my check. So, I called Capital One again and said that the check was lost and I was told this time that it will take XXXX business days to check what happened and if during this time I'll not receive any email that means that they will mail me a new check. Otherwise, they will mail me a specific form for investigation and it will take XXXX  days to find out what happened. Today is XX/XX/year> I didn't receive any email or check and have no idea about where my money is and can only hope that nobody cashed out my check. Capital One agent confirmed that it's possible for the check to be stolen and cashed out with fake ID. I was given a reference number for the future calls. 

On XX/XX/year> I called Capital One and was sitting almost XXXX minutes listening to the music on the phone during the business hours and was never connected to anyone who can help me with my reference number or give any update on my case. The agent I told at the very beginning, transferred me and also gave me a direct number to the specific department. 

On XX/XX/year> I called Capital One using the phone number I was given during the business hours and the robot told me that the waiting time was more than XXXX minutes. So, I decided to do not wait, because I called around XXXX PM, but they will be closed at XXXX PM, so there is no chance I'll be connected. 

Bottom line. I need my savings ASAP. I can't trust what Capital One agents say, because they say different things and feel no responsibility for their actions. And I prefer to get a wire transfer which is a safe method in my opinion, but nobody asked me and I was told that a refund check is the only XXXX option. I tried to call Capital One, but they're too busy to even answer the call. I have all the screenshots and records for all the calls.

Company response to consumer: Closed with explanation