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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
To Whom It May Concern, I am writing a formal dispute against the collection agency Credit Collection Service, XXXX XXXX XXXX XXXX, MA XXXX. This is concerning account number XXXX with the balance of {$310.00}. I dispute the validity of the alleged debt referenced above. Pursuant to 15 U.S. Code 1692c ( c ), " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. '' Under this statute, please consider this letter as my formal notice to stop all further contact regarding this alleged debt. 

Sincerely, XXXX 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 2025-04-23 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: IL

Complaint narrative:
I HAVE XXXX ACCOUNTS THAT REPORTING INACCUREATE AND UNVERIFIED INFORMATION ON MY CREDIT REPORT. THEY ARE SHOWING MULTPLE INACCURACIES IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY BETWEEN EXPERIAN, EQUIFAX, AND TRANSUNION ON EACH ACCOUNT. THESE ACCOUNTS MUST BE DELETED FOR THIS.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I HAVE XXXX ACCOUNTS THAT REPORTING INACCUREATE AND UNVERIFIED INFORMATION ON MY CREDIT REPORT. THEY ARE SHOWING MULTPLE INACCURACIES IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY BETWEEN EXPERIAN, EQUIFAX, AND TRANSUNION ON EACH ACCOUNT. THESE ACCOUNTS MUST BE DELETED FOR THIS.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Im not able to login to my account on Equifax website. The message said : We Can not Complete Your Request. Equifax customer service refused to provide me with an access to my online account. They said Equifax blocked me. The customer serbice agent said they are not able to fix the problem. The agent told me that Equifax deactivated my account because Im from XXXX. This is harassment and discrimination. Shame on your company, Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I was involved in a not at fault accident on XX/XX/2023 after hiring an attorney and dealing with insurance for almost 2 years the loan was finally settled, during the process I continued to make on time monthly payments to my loan and stayed in consistent communication with my lien holder as well as my attorney keeping in contact with my lien holder i assured my lien holder that i would continue making payments until the insurance claim was resolved and i informed them i had gap insurance coverage as well and my loan was protected with that being said my lien holder ( Mercedes benz financial ) took it upon themselves to hire an attorney and send me a demand letter in the mail which later they dismissed me from the lawsuit because my attorney made it very clear they could not sue me because i was still fulfilling my contract monthly and i was just in the middle of a insurance battle. After everything was all said and done and my loan was fully fulfilled Mercedes benz financial then hit me with their legal fees which i feel are being wrongfully charged to me as they never needed to enforce the contract and there was never a repossession with that being said i am asking for what is rightfully owed 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting
agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX XXXX and XXXX 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,

Company response to consumer: Closed with explanation
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: CA

Complaint narrative:
XX/XX/year>2025 Deposited my check from my attorney for my settlement. Teller gave me a number for what they call the back office. Told me to call tomorrow. I did. The agent verified my attorneys number, called him to verify the check, called his bank and then told me she emailed them for verification and to call later. I called later and found out Chase doesnt email other banks. Man was very rude. Told me my hold was because I have never had any substantial money in my account and hung up. Was told to call Monday. I called Monday and the agent told me she had to call my attorney. I told her that was already done on Saturday. She told me that was not true so she called my attorney again and he verified the check. She said the funds would be released after XXXX. I called after XXXX to just have an agent hang up on me. Called back and spoke to a supervisor who told me the funds would be available after midnight. I call Tuesday and was hung up by an agent and then a Supervisor. Call back and spoke to another Suoervisor and he stated he knows they have the money but since XXXX wont give them variation the will hold my money until the XXXX. I asked him why. He said the check could be stopped. I told him after the XXXX it could still be stopped. He explained that all banks do this and yes a stop could still be placed on my check. I said your making money off my money in interest. He said yes, and hes not an attorney so maybe its not legal, but they are still going to hold my money. The check cleared my attorneys account Saturday evening so this is a horrible crime.

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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX5 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 — 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: NY

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 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: EQUIFAX, INC.
State: GA

Complaint narrative:
CREDITOR FAILED TO COMPLY WITHIN 30 DAYS FOR investigation. Under 15 U.S.C. 168i ( a ) ( 5 ), I demand the immediate deletion of all inaccurate, outdated, or unverified address. The following FRAUDULENT ADDRESS on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Under the Fair Credit Reporting Act ( FCRA ), Section ( 15 U.S.C. ~1692g ) ( 15 U.S.C. ~ 1635 ), YOU ARE REPORTING THIS ADDRESS AS CURRENT YET WITHOUT VERIFYING. DELETE ADDRESS IMMEDIATELY FOR INACCURATE REPORTING.You are reporting FRAUDULENT ADDRESS on my credit report. PLEASE DELETE/REMOVE INCORRECT ADDRESSES THAT ARE REPORTING ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Charging me for something that i dont have any business or ownership of.

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: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 
To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account belowXX/XX/XXXX

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account belowXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.

Complaint narrative:
A My Best Buy Visa Card was opened on or before XXXX XX/XX/year> using my email address ( and potentially more of my personal details, but I do not know which ones ). 

The card was then used to purchase {$2100.00} of a/v equipment from Best Buy for delivery to an address in XXXX, AZ. 

When I received emails about the card and then the Best Buy order, I contacted Best Buy, whose customer service was excellent, and the order was quickly cancelled. Best Buy advised me to contact Citibank, the card issuer, to cancel the card. 

However, I live in the XXXX and am not an American citizen. Accordingly, I do not have a tax ID number. Calling from overseas makes things like this hard, but not impossible. Citibank has an overseas contact number. But because I do not have the credit card number and do not have a tax ID number either, I could not get past the first stage of the Citibank automated contact system. Hence, I have been unable to inquire about or cancel the credit card.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
AMEX XXXX Balance {$12000.00} AMERICAN EXPRESS XXXX Balance {$12000.00}

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX 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 it. If you can not validate this debt within 30 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.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 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 it. If you can not validate this debt within 30 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.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
Subject : Complaint against PayPal and XXXX XXXX  XXXX of Legitimate Transactions Related to Crypto Payments To whom it may concern, My name is XXXX XXXX XXXX, and I am submitting this complaint concerning unfair and damaging financial actions taken by PayPal and XXXX XXXX  XXXX XX/XX/year> @ XX/XX/year>, 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. 

Now, 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 payment records, transaction IDs ) proving that these payments were made willingly by the senders. 

We 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. 

We respectfully request an investigation and any appropriate intervention to protect us from this abuse of the chargeback and refund systems. 

I am available to provide supporting documents, testimonies, and further explanation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation