vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mediation Recovery Center
State: PA

Complaint narrative:
I just received a letter from a company called mediation recovery center for a debt of {$810.00}. This debt was going on XXXX  years if I remember correctly between XXXX and XXXX XXXX XXXX it was XXXX in a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
I demanded that the consumer reporting agency in question immediately implement a full security freeze and enforce an opt-out from any use of my consumer data, including personal information, tenant screening, and rental background reporting. 
I am not seeking rental housing and have not provided consent for the use, sale, or distribution of my personal or rental-related consumer data. Any continued or future access, reinsertion, or dissemination of such information without my express permission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Apple Financing LLC

Complaint narrative:
Subject : Unpaid App Store Earnings and Account Termination without Justification Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX/ Apple Payments Inc. regarding the sudden termination of my XXXX XXXX  account and the non-payment of accrued earnings exceeding {$50000.00}.


My account was terminated without prior warning or detailed explanation. I was informed that the account was shut down due to fraudulent activity, but no evidence or specific information has ever been provided to substantiate this claim. I firmly deny any involvement in fraudulent or deceptive practices. At the time of termination, my developer account had accrued earnings of over {$50000.00} from legitimate app sales and in-app purchases. Despite multiple attempts to contact XXXX and request the release of these funds, they have refused to process my payment or engage in meaningful communication. My earnings, which I worked hard to generate, are now being withheld without due process or legal justification.

I believe that Apple Payments Inc. is violating fair business practices and possibly engaging in unlawful withholding of funds that are rightfully mine as a developer. This situation is causing significant financial distress, and I am left with no recourse due to XXXX lack of transparency and communication. 

I am requesting the CFPB to investigate this matter and assist in compelling XXXXApple Payments Inc. to : 1. Provide a detailed explanation and evidence for the account termination.

2. Release the unpaid funds that were earned prior to termination.

3. Ensure fair treatment and transparent communication with developers.

I am happy to provide any supporting documentation, including account details, correspondence, payment records, and more, upon request.

Thank you for your time and support.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
When reviewing my credit report, I discovered late payments on my Ally Financial loan, this was a car loan that I had in the past. I traded the vehicle in and the loan was paid off by the car dealership of the new auto. The payments were reported as late and have negatively affected my credit. The account was opened in XX/XX/XXXX and closed XX/XX/XXXX. In that period I was never late on a payment until the new auto was purchased and I was informed to not pay Ally. The account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I deposited a check on XX/XX/year> and one on XX/XX/year> and shortly after they froze my account and have not let me back in won't give me a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-12 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: NY

Complaint narrative:
I am a victim of identity theft, My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the credit bureaus are reporting fraudulent accounts and addresses that should not be on my file. I dont live there and do not have access to mail or anything.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2025-04-12 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Report Number XXXX Date Generated XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Record REF # XXXX .... 
Report # XXXX. 
Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
I have spoken with the courts, and they informed that there is no active bankruptcy on file, both are closed and discharge. I not sure where Experian is getting their information. There is no active bankruptcy. They will not update to closed or discharged.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: NV

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-12 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: NV

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
I disputed all my student loans with XXXX, due to the recent security breach related to the Department of Education. Under the FERPA act my information has been accessed by other agencies without my permission. I disputed with all three credit bureaus on XX/XX/year>, I just received my response from all three credit bureaus yesterday ; XX/XX/year>. All investigations say something different, XXXX deleted the loans and the other two have different information/ outcomes. I am issuing a complaint due to accuracy and security breach of my student loans and want them removed.

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 2025-04-12 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: TX

Complaint narrative:
I disputed all my student loans with XXXX, due to the recent security breach related to the Department of Education. Under the FERPA act my information has been accessed by other agencies without my permission. I disputed with all three credit bureaus on XX/XX/year>, I just received my response from all three credit bureaus yesterday ; XX/XX/year>. All investigations say something different, XXXX deleted the loans and the other two have different information/ outcomes. I am issuing a complaint due to accuracy and security breach of my student loans and want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
To the Consumer Financial Protection Bureau : I am writing to file a formal complaint against US Bank regarding the unfair and unprofessional closure of all my accounts without adequate notice, explanation, or access to my funds. 

I have been a personal banking customer with US Bank for some time, maintaining both checking and savings accounts in good standing. Recently, as I was establishing my own XXXX XXXX, I contacted US Bank about opening a client trust account. I was advised that I first needed to open a business checking account online, which I attempted to do. 

Recently, business account application was declined without explanation. When I called customer service, I was only told, " We're not moving forward with your application, '' with no further details. Believing I might have submitted documentation incorrectly, I attempted to apply again, which was also declined. 

The following day ( XX/XX/year> ) without any prior notification, my personal debit card was declined when I attempted to use it. Upon calling customer service, I was informed that ALL of my accounts with US Bank were being closed due to unspecified " anomalies '' and that my accounts were frozen effective immediately. 

This sudden action left me completely without access to my own funds. I was forced to walk to my local branch as I had no means to pay for transportation. At the branch, I was given another phone number to call regarding the possibility of withdrawing my money. After waiting on hold for approximately one hour, I was told I could not access any of my funds and would need to wait 2-3 weeks to receive a cashier 's check. 
This situation has caused significant hardship and distress : I was left without access to any of my money without warning I had scheduled payments that will now bounce, potentially damaging my credit I received no specific explanation for the account closures I was given no opportunity to address any concerns before my accounts were frozen I was denied immediate access to my own funds I was treated with suspicion despite being a professional attorney I believe US Bank 's actions constitute unfair banking practices. The lack of transparency, immediate freezing of funds without adequate notice, and poor customer service represent a failure to treat customers with basic respect and fairness.

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 2025-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX I told them that I accidentally sent an extra payment if they can return the payment or they could pay for XXXX payment so they decided to send me a {$300.00} by mail. I cashed a check and pay XXXX bill and continue to pay until now but somehow they are stating that I owe them XXXX XXXX dollars extra and its not true. I havent purchased since XXXX XXXXanything else but somehow my bill is getting higher and higher stating that I have a new bill. I recently spoke to our supervisor and she noticed the mistake. She said she was gon na send it to the counter and now my bill is higher than ever. Please help. I am tired of telling them over and over and still making it worse. Thank 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 explanation
Consumer complaint received 2025-04-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has reported and failed to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof. XXXX XXXX XXXX XXXX GA XXXX is not my address and needs to be removed immediately. 

Equifax is also reporting a third party collections account that does not belong to me from XXXX XXXX  XXXX. Third party collections violate the following : FCRA 611 ( 15 U.S.C. 1681i ). This section of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information. As the collection account is inaccurate and unverifiable, I request that it be removed from my credit report immediately. If the furnisher can not provide verification within 15 days, it must be deleted. FCRA 605 ( 15 U.S.C. 1681c ) ** : According to this section, negative information such as collection accounts must be removed from a credit report. FDCPA 807 ( 15 U.S.C. 1692e ) ** : The **Fair Debt Collection Practices Act** prohibits the reporting of false or misleading information by debt collectors. If the account is not verified by the original creditor or if there are inaccuracies, I demand its immediate deletion under this provision. Unverifiable Debt : If the credit reporting agency and the collection agency can not provide valid documentation and proof of this debt as required by **FCRA 623 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. Creditors and collectors are legally obligated to report accurate information, and failure to verify the account should result in its deletion. Furthermore, under 15 USC 1692g debt collectors must validate debt. If they can not its NOT enforceable. I am also enforcing my rights through UCC 3-501 by demanding proof of debt through the original contract. I also want an itemized statement of my debt under secured transactions law according to UCC 9-210. 

XXXX XXXX  XXXX no validation or billing explanation has been provided, a clear violation of fair credit billing standards. - **UCC 3-604 : ** Equifax is reporting a debt for which no contract or legal obligation exists, and no lawful consideration was provided. - **HJR-192/ Public Law 73-10 ( 1933 ) : ** The alleged debt is based on fiat, not lawful money , and no consideration was lawfully exchanged. - **20 USC 1087 : ** Equifax is assisting in the unlawful reporting of debt that is not valid.

This account and inaccurate address are **fraudulent, not mine**, and is causing damage to my financial credibility and emotional well-being. Equifaxs **continued reporting of this false and unverifiable debt** is unlawful and in direct violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This charge off credit card is being reported with a several inaccuracies. You can also not report a past due balance on a charge off. XXXX and XXXX both say different things. This is against FCRA to to be reporting inaccurate information on a credit report. Canceled debt is considered income and it is illegal for income to be reported on a credit report. I never received a 1099. You can not report something different to each credit bureaus. That is illegal.

Company response to consumer: Closed with explanation