vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC
State: MD

Complaint narrative:
I received a letter sstatingbalance owed for {$1600.00}. From balance of {$2200.00} I have made more than XXXX payments on their website of {$100.00} per month but after I paid, there is no receipt. I called asking for my receipt and they said you need to keep track of your own payments. 
Company is Levylaw associates LLC. 
XXXX They refuse to send me my payment receipts so I can match it with my payments. They sent a balance due from XX/XX/year>2025 for {$1600.00} which is wrong. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/year> I did a XXXX transaction on the Truist Bank website to send {$350.00} dollars to an entity that I owed monies to and I received a message that said my payment was under review and for me to call ( XXXX ) XXXX to proceed. When I called the number, i spoke with a representative that asked me numerous questions to verify my identity such as my name, SSN, debit card #, etc. She then sent me a code via a text message to further verify my identity and I supplied her with the code. 

After a brief hold, she returned to the phone and informed me that her internal team told her that they could not release my funds and that I had to go to a local branch to get the problem resolved. I called the number back a short period later and I spoke with another representative that informed me that the previous rep had cancelled my transaction. She said that she could not supply me with the reps name or rep #. The whole purpose of using the XXXX  system is to make transferring monies electronic easier and in this case, it failed. I would like some assistance with getting this systemic problem resolved. Thank you in advance.

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 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: OH

Complaint narrative:
requests were made for original credit agreement of which was not guven in XX/XX/2023 I am writing to formally dispute the accuracy of the negative student loan information listed on my credit report. Specifically, I believe that the information provided by [ XXXX ] [ XXXX XXXX XXXX XXXX ] violates my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ).

Under 15 USC 1681c-2, I request that you block and/or remove this information if it is inaccurate, unverifiable, or misleading. The loan in question is tied to [ 8104 ] and reflects derogatory history that I contend is either incomplete or not verifiable as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Request for Debt Validation Under 15 USC Greetings, By means of this letter, I am requesting validation of the debt that appears on my credit report in your name. Under the XXXX XXXX XXXX ( FDCPA ) ( 15 USC 1681c ( a ), you are required to provide me with proof that this debt is valid and that you have the right to collect it. If you can not validate this debt within XXXX  days, I request that it be removed from my credit report immediately. I look forward to your written response with all necessary documentation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: IA

Complaint narrative:
There are false late payment notations on my TransUnion credit report that must be corrected. The XXXX account ( XXXX * * * * ) is reporting a past due balance of {$0.00}, which contradicts the late payment remark. Additionally, the XXXX XXXX account ( XXXX * * * * ) was settled, shows a {$0.00} balance, and is marked as closed/paidyet it still reflects inaccurate late payment data. These discrepancies are damaging and unjustified. No supporting documentation has been provided to validate these remarks despite multiple attempts to resolve the issue. These errors violate 15 U.S.C. 1681i of the Fair Credit Reporting Act. I demand that these inaccurate late payment remarks be removed immediately from my 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 non-monetary relief
Consumer complaint received 2025-04-24 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: TN

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX ( owned by PayPal , Inc. ) for their failure to protect me against a large-scale scam and their unjust handling of chargebacks totaling over {$60000.00}. Despite acting in good faith and providing goods, XXXX reversed payments after the sender disputed them leaving me and my friends with negative balances and the threat of debt collection and credit damage. 

In XX/XX/year>, I was contacted by an individual ( now identified as a scammer ) via XXXX XXXX who agreed to purchase a large quantity of sourced items from me, totaling over {$60000.00}. Payments were sent to me and my friends through Venmo, and I fulfilled the sourcing request and delivered the items as agreed. 

However, the scammer deliberately marked the payments as Personal Payments rather than Goods and Services bypassing XXXX XXXX  Purchase Protection policy. Shortly after receiving the items, the scammer disputed all of the payments through their credit card issuer, claiming them as unauthorized. 

XXXX notified me that the chargebacks had been initiated. Although XXXX submitted a dispute on my behalf, they ultimately ruled that I was ineligible for reimbursement due to the transaction type being marked as personal. I was left with a negative balance of {$6000.00} on my XXXX  account, while my friends were left with similar or larger negative balances. 

I attempted to resolve this matter through XXXX support, but the case was closed with no resolution in my favor, despite providing clear evidence of the scam. Local police declined to take a report, labeling it a civil matter. Venmo has not provided any protection, and now we are all at risk of this being sent to collections and damaging our credit even though we were victims of fraud. 

This situation highlights a major flaw in XXXX system : there are no safeguards preventing users from misusing the personal payment feature to commit fraud, and no recourse for victims like myself. XXXX refusal to reimburse or freeze collections pending resolution is unethical and irresponsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.

Complaint narrative:
I am owed over XXXX $ from Square ( Block , Inc. ) from sales I made using their platform. 

They have suspended money transfers owed to me for 90 days with no explanation. 

I have been in an endless loop with their Support for the past three weeks with no resolution.

I am no longer able to pay my employees and my bills due to them withholding what is owed to me. This is a form of wage theft. 

I have not received money from them since XX/XX/year>. 

Steps I have taken : -Called Support for three weeks -Sent an email to their legal representative ( have been completely ignored )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony Banks unfair and predatory lending practices along with the closure of active and paid accounts after dropping credit line limits without any type of reference of reason. This knowing the actions taken by their company would both reflect poorly on my individual credit score but would unfairly invoke unreasonable minimum payment amounts knowing fully that a reasonable person would be either unable to or unwilling to pay. Their predatory lending practices have both hurt me financially attempting to keep up with their unreasonable expectations of payment as well has invoked a burden on my current reasonable relationships with other lending establishments.

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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally dispute several aspects of my account management and request a thorough review of your billing practices. My XX/XX/year> statement indicated a minimum payment of {$640.00}, with {$300.00} exceeding my credit limit, a detail explicitly stated in my account summary. A return of {$390.00} was processed XXXX days after the statement closing date. Logically, this return should have reduced my minimum payment, yet it did not. This discrepancy constitutes misleading information and resulted in an unwarranted late payment fee of {$41.00}, which, although subsequently reversed, highlights a critical flaw in your billing system. I request a detailed explanation for this inconsistency. 

Furthermore, I demand a review of the justification for my significantly elevated interest rate. While I acknowledge and understand that interest rates fluctuate, the current rate exceeding 30 % on a balance of approximately {$13000.00} is exorbitant and, in my opinion, predatory, especially when compared to other lending institutions. For instance, my {$15000.00} loan with XXXX XXXX XXXX XXXX carries an interest rate of only 11 %. This stark contrast necessitates an investigation into the fairness and transparency of your interest rate calculations and application. I respectfully request a substantial reduction in my interest rate to align with industry standards and reflect the prevailing market conditions. 
Finally, I wish to express my dissatisfaction with the quality of customer service provided by your overseas representatives. Their inability to address my concerns regarding the minimum payment calculation and the justification for the high interest rate reflects a significant deficiency in training and understanding of your own billing procedures. Improved training and enhanced communication skills are urgently required to ensure that customers receive adequate support and accurate information.

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 2025-04-24 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: PA

Complaint narrative:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT ( # XXXX ) TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX  TRANSUNION XXXX XXXX I recently reviewed my credit report and I have tried to reason with Transunion about this FCRA error on my credit report. I did not apply for credit nor have any accounts with the following creditor. This is a major FCRA violation and against my consumer rights please remove this UNAUTHORIZED INQUIRY from my account. 
I did not authorize, nor had any knowledge of this. This inquiry is harming my ability to obtain new credit. Thank you for your prompt attention to 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