vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-04-15 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-15 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I was charged a fee by Venmo for an instant transfer to my bank account, but the transfer was significantly delayed, taking nearly two full days to complete. This delay contradicts XXXX advertised promise that funds typically arrive within minutes. 

On XX/XX/year>, I initiated an instant transfer from Venmo to my bank account ending in * XXXX. The transfer amount was {$100.00}, and I paid a service fee for instant delivery. However, the funds did not arrive until XX/XX/year>, as reflected in my bank transaction logs ( XXXX XXXX ID XXXX ). 

Additionally, as of this filing, I have still not received another instant transfer tied to a payment from @ hunternesss, despite Venmo collecting a separate instant transfer fee. This proves the damages are recurring, not isolated. 

This conduct is deceptive under : XXXX XXXXXXXX. XXXX ( XXXX. XXXX ) False statement in advertising, which prohibits any fraud, false pretense, false promise, misrepresentation, misleading statement or deceptive practice in connection with the sale of any merchandise.

15 U.S. Code 45 Unfair or deceptive acts or practices ( Federal Trade Commission Act ), which prohibits businesses from misrepresenting the nature or effectiveness of a service.

If Venmo attempts to explain the delay as a result of external bank processing or standard exceptions, I would note that the XXXX timestamp clearly shows that the transfer was not initiated until well after the original requestindicating the delay originated within XXXX own system. Additionally, I have used the same bank for other real-time transactions without issue. If the company claims the Terms of Service allow for these delays, I would point out that disclaimers can not override consumer protection statutes, especially when the fee is tied to a service marketed as instant. 

XXXX advertising suggests that delays are rare and that transfers typically complete within minutes. That was not my experience, and Venmo still retained the fees. I am requesting : 1. A full refund of both instant transfer fees, 2. A written explanation of the delays, and 3. An internal review of XXXX advertising practices for compliance with federal and state consumer protection laws. 

Screenshots, transaction IDs, and timestamped bank logs are available to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NV

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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 2025-04-15 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: NJ

Complaint narrative:
I requested that XXXX  investigate my dispute letter, which I sent on XX/XX/XXXX via USPS Priority Mail. 

I identified myself with my social security, driver 's license, and date of birth and even notarized my letter to prove my identity. I received their letter of refusal to investigate dated XX/XX/XXXX. 

I called on XX/XX/XXXX to see if I did not meet the identification guidelines. They refuse to comply with FCRA 611 and investigate, claiming it's a suspicious letter not sent by me.

It appears that all credit reporting agencies are violating FCRA 611. 

The remedy I seek is for XXXX  to delete all entries listed since they refuse to process my letter.

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 2025-04-15 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I HAD XXXX LATE PAYMENTS ON THIS ACCOUNT THT I WAS IN FACT PAID ON TIME.THE CONSUMER REPORTING AGENCIES HAVE NEED TO REPORT ALL INFORMATION WITH COMPLETE ACCURACY. THIS ACCOUNT HAS NOT BEEN LATE ON PAYMENTS. IVE ATTACHED A COPY OF MY REPORT TO THIS COMPLAINT. IM NOW REQUESTING YOU INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING THAT I HAD LATE PAYMENTS. IF THE INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED TO PAID ONTIME 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 non-monetary relief
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I HAD XXXX LATE PAYMENTS ON THIS ACCOUNT THT I WAS IN FACT PAID ON TIME.THE CONSUMER REPORTING AGENCIES HAVE NEED TO REPORT ALL INFORMATION WITH COMPLETE ACCURACY. THIS ACCOUNT HAS NOT BEEN LATE ON PAYMENTS. IVE ATTACHED A COPY OF MY REPORT TO THIS COMPLAINT. IM NOW REQUESTING YOU INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING THAT I HAD LATE PAYMENTS. IF THE INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED TO PAID ONTIME IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Denefits LLC
State: NC

Complaint narrative:
This company tried to say I owe for credit repair services and that I did not agree to nor did I sign anything agreeing to services, however, they are destroying my credit, adding several unauthorized trade lines to my credit report by saying I have more than one account and I never agreed to services, no signatures nothing. many people ave complained, I have complained back in 2022 and nothing came of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
I am reaching out to request an update to the name listed on my credit report to ensure that my records accurately reflect my correct information. SEE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: T.S. Holdings
State: IL

Complaint narrative:
My wife and I rented from XXXX XXXX apartment complex in XXXX XXXX Wisconsin from XX/XX/XXXX - XX/XX/XXXX. When we went to move in on our move in date, we could not move in until almost XXXX XXXX  due to " carpeting '' issues. However we reupped our contract in XXXX of XXXX for another year. When we decided it was time for us to move out we did not sign a new contract. When we attempted to tell the apartment complex that we would be leaving at the end of XXXX they stated they would still charge us even though we were not living there. They proceeded to charge my wife and I for XXXX extra months, then gave us another bill for a cleaning service. We hired a cleaning service, and any damage that was there was notified to them for a repair. However they could never keep a repair man on staff, so often things would go unfixed or we had no ac/heat for months at a time. 
We never got our security deposit back, and when we first got a bill from them it was from this collection agency IQ Data in XXXX of XXXX. The person on the phone began berating us, demanding we pay the debt " or else '' We have not heard back from this company since and we refuse to pay the apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank simplicity credit card. I did several balance transfers. I called and asked the question more than once what gets paid first. Two times I was told the balance transfer that expires first got paid first. I transferred a balance that had an APR of 1.99 % and wouldnt expire until XX/XX/XXXX. I was making 10 times the minimum payment. They started applying that money toward the balance transfer that would expire last. So I expressed the fact that I was told what expired first would be paid first and that they applied the money incorrectly. I talked to XXXX on XX/XX/XXXX and ask the question what gets paid first and was told any payment goes toward the balance that expires first. I also talked to XXXX on XX/XX/XXXX and asked the very same question and was told the very same thing. I am a XXXX XXXX on XXXX. I had everything down to a science so it would be paid off and I would not have to pay the ridiculous interest that they charge. Because they applied the money incorrectly, I had to take money out of my savings account and pay off the balance with the APR. Now I am left scrambling to pay the rest of the money owed before XX/XX/XXXX of this year. They were supposed to get back to me and they didnt. So I called again today and talked to a lady named XXXX in the executive office who I had spoken with previously. She informed me that due to the credit card act of XXXX, the payments have to be applied to the balance with the highest APR. There was no explanation why I was told incorrectly or any offer to help me out in anyway. I feel like this is deceptive to say the least and I am having to suffer because they told me the wrong thing twice. So I would like to file a formal complaint against Citibank for giving me false information. And making me suffer financially because of giving me incorrect information. I had to take what little I have in my savings account and pay off the balance transfer that expired last or they wouldve just kept applying the money to the wrong balance transfer according to what I was told. To add insult to injury, the present statement I received shows that I still owe {$230.00} and change to the balance and at least that its the one that I paid off at 1.99 % interest. So I called again and XXXX said their system shows XXXX balance. My statement shows that there is still an arbitrary amount owed so she said I have to wait till I get the next statement and it should show XXXX. It should show XXXX now as I paid it off!! So my fear is that when I make another payment, it will go toward that arbitrary amount that shows me still owing when I dont owe anything on that balance transfer.

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
Endurance car warranty company took money out of my account-a total of XXXX dollars even though my vehicle was ineligible for the warranty and they refuse to return my money. They used XXXX finance company to finance the Illegal warranty

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account was satisfied via a contract re-write of a XXXX XXXX. The company continued to falsely report my balance incorrectly as {$26.00} outstanding on XXXX separate accounts no matter how many times I disputed this. For years they reported to the credit bureaus the accounts were closed which is accurate ; however, since submitting multiple complaints with the CFPB, XXXX now seeing this company & the credit bureaus have colluded together in re-opening the for years & months the XXXX previously closed accounts. This is disturbing & concerning. It is illegal and a violation of my rights! Both XXXX accounts being reported on my credit reports are closed with balanced settled to {$0.00}. These accounts settled via XXXX restructuring the loan! Please assist. This is XXXX XXXX XXXX that companies are allowed to not only incorrectly report erroneous information on a persons credit file but to do so as conveniently and freely as possible. For years this was reported as a closed accounts with an outstanding {$26.00} balance ( actually : {$0.00} balance ) but re-opens it without any new agreement or authorization from the consumer at random or when theyre being investigated! This IS WRONG!

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 2025-04-15 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: PA

Complaint narrative:
Good Day, I recently reviewed a copy of my credit report and noticed that two different creditors ( XXXX XXXX and XXXX XXXX ) are reporting the same charged-off account. This duplication is resulting in adverse effects on my credit profile. I am requesting that this issue be corrected immediately and that the duplicate entries be removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is illegal for the same debt to be reported multiple times by different creditors, and I am seeking your assistance in resolving this matter promptly. 

Account Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I lost my wallet with my sensitive documents inside. It happened twice in the past 2 years. My license, social security card and debit/credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MO

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 2025-04-15 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'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.

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