vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I received a letter from a debt collection agency regarding a XXXX XXXX bill for charges between XXXX, XXXX and XX/XX/year>. I did not have a XXXX account during that time. the letter was or any bill was not provided on any customer letterhead, the account number was not an account number that I ever had and there was no email provided just a phone number. When I spoke to the rep he insisted I did have this account and when i tried to respond he would not let me speak and seemed to end the call. 

The company that contacted me was Penn Credit Corp XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2025-02-25 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: MO

Complaint narrative:
Ive already disputed this serval times before. Ive worked for the XXXX  12 years its should be forgive I did proper paperwork. They reported on my credit 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 2025-02-25 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:
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 explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
XX/XX/XXXX Payment of {$1500.00} made to MOHELA. Received confirmation XXXX from Mohela. Payment was never posted.

Contacted multiple times throughout the summer and told it would take up to 90 business days to post.

Contacted Mohela once 90 business days was up around XXXX and was told they will officially file as missing payment. Submitted bank statement and payment confirmation to them through upload feature in my account. 
Attempted many callbacks but wait times were over 1 hr many times I tried to call. Times I was able to get ahold of them they said they were working on locating the payment but did not provide any further information. 
Emailed in XXXX, received word back XX/XX/XXXX that they would expedite the search for my missing payment. 
XXXX Attempted to call for update, waited on hold for 2.5 hrs with no answer. Payment has not posted as of this date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an auto loan with Capital One Auto Finance. I have had no late payments, and have at times paid extra on the account ( i.e. never more payments than 1 each month ; just extra amount in the single monthly payments ). I attempted to make a payment via the phone option on XX/XX/year> at the monthly due date, and received automatic response that a payment would not be accepted. This happened twice through 2 call attempts. I called and spoke with a person, who checked my account and verified that I would not be allowed to make a payment. I would have to wait until XXXX to pay again. I should be allowed to pay whatever amount equal to or greater than the assigned monthly payment each month at the due date. It appears unethical and possibly illegal to refuse to accept payment. Blocking monthly payments supports Capital One 's ability to charge interest at amounts unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony BankXXXX XXXX XXXX XXXX has decided to close an account for the reason of numbered of Dishonored payments on closure date on XX/XX/year>. Without notice. 
Notification of closure letter sent today XX/XX/year>. 
Contacted the synchrony Bank representative to question the terms and conditions of this account, for each payment has been made on time and no other payments are due until XX/XX/2025, was informed by representative that account was closed due to a different issue other than what was notified in letter. 

Never stopped using the card, account is not in default, did not exceed credit limit, did not breach terms of card agreement. 

This is causing credit utilization rate to spike lowering credit score. 

Synchrony Bank has breached their contract in agreements according to their terms. 

Please open up a dispute in regards to this company and I will also notify the BBB and other agencies as needed. 

Thanks

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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, we received our taxes on XXXX. The following day on the XXXX I withdrew XXXX of this XXXX deposit received ro purchase a car as I didn't have XXXX mine was broken. I sent XXXX to my XXXX XXXX XXXX XXXX my electricity because that's how I pay it. Shortly after I received email that XXXX  account is frozen. After several emails, they asked for my identification my selfie amd my tax documents to prove where the deposit came from. I provided all that as I will now to show proof. They said they will not unfreeze my account and will now hold my funds for 180 days. I have XXXX XXXX  kids and I need these funds released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
XXXX XXXX, I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hey I am XXXX XXXX XXXX and this account thats being reported in my credit report is Fraudulent/ NOT MINE please remove it immediately. For this is hurting my chances of getting a loan. This is not a XXXX  party filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hey I am XXXX XXXX XXXX and this account thats being reported in my credit report is Fraudulent/ NOT MINE please remove it immediately. For this is hurting my chances of getting a loan. This is not a XXXX  party filing this complaint.

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 2025-02-25 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: CA

Complaint narrative:
I am Listing 2 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Listed Inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove 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 non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 explanation
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
Please take a careful look at this complaint, as it was sent with intention. My credit report appears to be mixed with someone elses information, and I have repeatedly found accounts, transactions, and other items that do not belong to me. This is extremely concerning and has been causing unnecessary stress and anxiety. This is already deleted by both XXXX and XXXX for being erroneous.

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 2025-02-25 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
When XXXX first happens, I lost my job and was unable to pay my creditors. I resorted to a company called XXXX who took over my credit card debt to settle them for 50 % or less and I've been paying a XXXX unfortunately it was not brought to my attention that it would make my credit card account go delinquent and it has suffered. My credit score tremendously, even though I'm paying every single month on time to XXXX it's still not reflecting as a positive thing on my credit report. I am a single mom of XXXX and I'm struggling to make ends meet with very little resources. I would appreciate it if these creditors could understand and do their best to help me settle or negotiate these debts to something that I can handle.

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 2025-02-25 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ga XXXX, ( XXXX ) XXXX, XXXX I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding *TransUnion*, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within XXXX business days of receiving this complaint. *Fraudulent Accounts to be Removed : * *** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, $ XXXX The accounts listed above are fraudulent and have led to numerous unauthorizedhard inquiries and derogatory collections appearing on my FICO credit report. These entries areunequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguardingconsumer data has enabled identity thieves to exploit my personal information. I expect immediateaction to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of thesteps being taken to remove the fraudulent information. Failure to comply with this legal obligationwill compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NC

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. 
Conns Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Capital XXXX Account # XXXX, XXXX XXXX  Account # XXXX and XXXXXXXX XXXX Account # XXXX has violated my rights. 

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 non-monetary relief
Consumer complaint received 2025-02-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US Federal Trade Commission that all 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 explanation