vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, MN. XXXX Subject : Dispute of Inaccurate Information Reported to Credit Bureaus - Account Number XXXX Dear XXXX XXXX XXXX XXXXXXXX, I am writing to dispute inaccurate information that your company has furnished to the major credit reporting agencies ( Equifax, Experian, and TransUnion ) regarding my account, specifically account number XXXX. 

According to my records and a recent credit report, this account, opened in XX/XX/XXXX and reportedly closed at the credit grantor 's request in XXXX, is being reported in a manner that I believe is inaccurate and should be deleted. The information furnished is misleading due to its age and status, and its continued reporting negatively impacts my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) requires furnishers of information, such as XXXX XXXX, to report complete and accurate information to consumer reporting agencies. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Furthermore, 15 U.S. Code 1681s-2 ( a ) ( 2 ) requires that if a furnisher determines that information furnished is not complete or accurate, they shall promptly notify the consumer reporting agency and provide corrections or additional information necessary to make the information complete and accurate, and shall not thereafter furnish information that remains not complete or accurate. 

Given that this account was closed in XXXX and the information appears to be outdated or inaccurate in its current representation, I request that XXXX XXXX conduct a thorough investigation into this matter. I assert that the continued reporting of this old account number XXXX, as it currently appears on my credit report, is inaccurate and does not accurately reflect the current status of my credit history accurately. 

Therefore, I request that XXXX XXXX XXXX XXXX cease furnishing this inaccurate information and request the deletion of account number XXXX from all credit bureaus ( Equifax, Experian, and TransUnion ). 

Additionally, I have observed that my credit reports contain multiple variations of my name. I request that XXXX XXXX XXXX XXXXXXXX, take necessary steps to ensure that only one accurate and complete name is associated with my credit information that you furnish to the credit bureaus. 

Please investigate this matter promptly and thoroughly. I expect that upon verification of the inaccuracy or the outdated nature of this information, you will request the deletion of this account from my credit reports and ensure my name is reported consistently and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
XX/XX/scrub>XXXX/2025 called XXXX XXXX XXXX XXXX  about a collection I saw on my credit report. I asked for proof and an itemized receipt of charges after providing my name and birthday. He refused to send me proof or the itemized receipt and wanted me to go in person. I explained how that amount is not accurate because it's paid off. Asked for documentation and he refused and only wanted in person contact. I advised that I will be reporting it.

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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MI

Complaint narrative:
Procollect Inc XXXX XXXX XXXX, 2022 {$250.00} I recently reviewed my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.

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 2025-04-23 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I want to be clear, this complaint is real and very important to me. My credit report has mistakes that shouldn't be there, and theyre having a serious impact on my life. It's been really stressful dealing with this. I'm asking for your help in getting these errors fixed or removed as soon as possible. It would truly mean a lot to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is a bit of a complicated story. On XX/XX/XXXX a massive amount of fraudulent checks began to deposit into my account with Chase. I immediately called their fraud department and reported that these checks were not deposited by myself and to please not allow them to go through because I suspected a fraud attempt. Chase assured me that I had done all I needed to do and none of the checks would go through. I repeatedly asked If I had done everything I needed to do because I suspected this wasn't the end of my situation. They again assured me that by changing my password and username for my bank account I would be fine. I called at least 3 times on XX/XX/XXXX to confirm that I had done all that I needed to do. The next day Friday the XXXX all the money that went into my account fraudulently had disappeared ( a total of - {$4600.00} was removed ). But this was not Chase that had done this, I had no idea, afterall Chase repeatedly told me that I had done everything I needed to do and my account would be fine. Fast Forward to Monday XX/XX/XXXX, The checks had seemingly, again, been removed from my account... only this time now my account is negative ( - {$2600.00} ). Chase then tells me that the money that had left my account previously was not Chase, It was transferred to my Mother 's account ( Who had also been experiencing the same exact issue as me, we have somewhat Linked bank accounts ) and the Scammers subsequently wiped all of my Mother 's accounts ( she will be submitting a complaint as well and knows more specifics of her losses ) leaving her with nothing. Me and my Mother went into Chase Branches on Tuesday XX/XX/XXXX as instructed by Chase in order to open new bank accounts and to attempt to recover lost funds. My issue is I was on top of this scam attempt from minute one, doing everything in my power not to allow money to be removed from my account. It is of my opinion that Chase had failed us. None of the many ( MANY ) suspicious charges raised any kind of Alarm with Chase, even with them knowing our situation with this fraud attempt. We sit here today not knowing If Chase will even be able to return our funds. And that scares the living daylights out of us. We're honest people, perfect banking history. The one time we've been subject to fraud and it just feels like that money won't be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NJ

Complaint narrative:
I am submitting a complaint regarding a fraudulent credit card account that appears on my credit report. 

Creditor : XXXX XXXX XXXXXXXX Balance : {$2600.00} Date Opened : XX/XX/XXXX This account is the result of identity theft. I have never applied for or used this account. I was not even in the United States from XX/XX/XXXX to XX/XX/XXXX ( You can track it from my XXXX  XXXX XXXX document ), and I did not receive my Social Security Number ( SSN ) until XX/XX/XXXX. Therefore, it would have been impossible for me to legally open a credit account during this time. 

I have filed a police report ( attached ), and I have submitted a formal dispute to XXXX, Experian and TransUnion with copies of my XXXX, passport, and SSN card. Despite this, the account still appears on my credit report. 

I am requesting that this fraudulent account be fully removed from my credit report and that any adverse credit reporting associated with it be deleted. 

Please take immediate action and help resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am submitting a complaint regarding a fraudulent credit card account that appears on my credit report. 

Creditor : Bank of America Balance : {$2600.00} Date Opened : XX/XX/XXXX This account is the result of identity theft. I have never applied for or used this account. I was not even in the United States from XX/XX/XXXX to XX/XX/XXXX ( You can track it from my I94 international travel document ), and I did not receive my Social Security Number ( SSN ) until XX/XX/XXXX. Therefore, it would have been impossible for me to legally open a credit account during this time. 

I have filed a police report ( attached ), and I have submitted a formal dispute to BofA, XXXX and XXXX with copies of my I-94, passport, and SSN card. Despite this, the account still appears on my credit report. 

I am requesting that this fraudulent account be fully removed from my credit report and that any adverse credit reporting associated with it be deleted. 

Please take immediate action and help resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inaccurate reporting and failure to mark an account as disputed under the Fair Credit Reporting Act ( FCRA ). 
In XX/XX/XXXX, I disputed a credit card debt with XXXX ( XXXX ) directly. I subsequently sent a formal dispute to Experian on XX/XX/XXXX, asking for a reinvestigation and for the account to be flagged as disputed as required under FCRA 623 ( a ) ( 3 ). On XX/XX/XXXX, I received an updated credit report from Experian showing that the account in question ( XXXX XXXX, last XXXX digits XXXX ) remains listed with a balance of {$6200.00} charged off, but no notation indicating it is in dispute. 
Experian recently confirmed via email that the account was updated, but my credit report still does not reflect any dispute notation, despite multiple written disputes sent directly to both the furnisher and the credit reporting agency. This is a violation of the FCRA, which requires the account to be marked as disputed during and after an investigation if the consumer has raised a valid dispute. 
I also received a collection letter from a law firm representing this debt on XX/XX/XXXX. I sent a dispute/validation letter in XX/XX/XXXX. Despite this, the firm filed suit on XX/XX/XXXX, without proper service. The case was later dismissed. The law firm eventually responded with alleged verification in XXXX XXXX after the lawsuit was filed.

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
b'Subject: Complaint against PayPal and local bank Reversals of Legitimate Transactions Related to Crypto Payments\n\nTo whom it may concern,\n\nMy name is XXXX, and I am submitting this complaint concerning unfair and damaging financial actions taken by PayPal and  local bank.\n\nBetween XXXX XXXX XXXX  over hundreds of individuals voluntarily and knowingly used PayPal to send money to purchase cryptocurrency or membership packages from a company called XXXX XXXX. Each of these individuals made their own purchase decisions after receiving the cryptocurrency or package access.\n\nNow, after the company ceased operations, some individuals have filed chargebacks or disputes with PayPal and their banks, claiming unauthorized transactions. As a result, PayPal and certain banks are deducting money from our accountsthose of the recipientsas if we had committed fraud, even though there is clear evidence (chats, payment records, transaction IDs) proving that these payments were made willingly by the senders.\n\nWe are being unfairly penalized and financially harmed due to these reversed payments, even though we did not sell or manage the products. The transactions were peer-to-peer, and our role was solely to receive the funds sent by those now disputing the payments.\n\nWe respectfully request an investigation and any appropriate intervention to protect us from this abuse of the chargeback and refund systems.\n\nI am available to provide supporting documents, testimonies, and further explanation.\n\nSincerely,\nXXXX XXXX XXXX  \n\nPhone Number: XXXX XXXX XXXX \nEmail Address: XXXX XXXX XXXX XXXX Transaction Amount: XXXX USD Disputed Amount: XXXX USD Transaction Date: XXXX XXXX XXXX Buyer Name: XXXX XXXX Transaction ID: XXXXThis person opened a case on XXXX XXXX XXXX  claiming the amount of XXXX for an item not received. No item was sent to the person as detailed in their claim. It was only an exchange of coins. They did receive the coins as they requested.\n\nCase Details\n\nCase IDXXXXDisputed Amount:XXXX USD\nIssuer Information:XXXX XXXX\nReport Date:\XXXX XXXX XXXX\nTransaction ID:XXXXTransaction Amount:\nXXXX  USD'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received an offer from Truist Bank to open a checking account. The offer code was XXXX. The offer was {$400.00} bonus if I had direct deposits totaling {$1000.00} or more within 90 days. I opened the account on XXXX XXXX, 2025 by making an initial deposit of {$50.00}. My direct deposits started XX/XX/XXXX making {$500.00} payroll deposits twice a month. I have since exceeded the threshold to earn the bonus and my account is still active. I called XXXX on XXXX to inquire where my bonus was. After talking with multiple reps, I was informed that I didn't qualify because I had a previous account with them. To clarify, I entered the offer code at time of opening and my welcome email contained the offer code as well and at not point was it mentioned that I didn't qualify. In regards to the previous account, I had tried to open an account with a previous offer ; however, I was never prompted to make an opening deposit, nor did I receive any information via email or mail containing my account number to make said deposit. XXXX appears to be using the promise of bonuses to get new account openings, but makes it difficult to earn said bonuses with lack of communication. How can I have opened an account without making an initial deposit. I was promised a follow up phone call which I never received.

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 2025-04-23 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: Experian Information Solutions Inc.
State: AL

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 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 2025-04-23 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: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief