vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: LA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-26 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:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-26 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: PA

Complaint narrative:
Experian, Equifax, and TransUnion are continuing to report a fraudulent account related to an alleged loan from XXXX XXXX XXXX. I formally disputed this account and requested documentation validating the debt as well as with the credit reporting agencies as well. In response, XXXX XXXX XXXX provided a contract that clearly belongs to another individual, with my name forged in certain sections to make it appear as though the account was mine. And the credit reporting agencies are validating and continuing to report the debt as valid and accurate despite me providing proof and them failing to investigate. I have documented proof of this fraud. 

Despite this, all three credit reporting agencies continue to report the account on my credit file as valid. This violates the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure the accuracy and integrity of the information they furnish. The agencies are now in possession of evidence showing that the account is fraudulent and unverifiable. 

I am requesting that Experian, Equifax, and TransUnion immediately delete this account from my credit report, as there is no legitimate evidence tying me to this debt. Continued reporting of this fraudulent item is causing ongoing harm to my creditworthiness and financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 
XXXXXXXX XXXX acct # : 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Dear Whom this may concern I am writing to formally dispute the accuracy of a collection account that has been reported on my credit report. The details of the account in question are as follows : * Creditor Name : XXXX * Account Number : XXXX * Collection Agency : FAIR COLLECTION & OUTSOURCING * Date of Collection : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I have reviewed my credit report and found that the above-mentioned collection account contains inaccuracies that violate my rights as a consumer. Specifically, {$9100.00} that is not the correct number the company can not provide me with a proper receipt for what was supposedly paid for. These inaccuracies not only misrepresent my creditworthiness but also contravene the stipulations outlined in the FCRA, particularly regarding the requirement for accurate reporting and the necessity for creditors to verify debts upon consumer request. Furthermore, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have the right to request the verification of any debt. I have previously requested this verification from FAIR COLLECTIONS AND OUTSOURCING on XX/XX/XXXX, but have yet to receive a satisfactory response. This lack of response indicates non-compliance with consumer protection laws. In light of this information, I kindly request the immediate removal of this collection account from my credit report. I also expect a written confirmation of the actions taken in response to my dispute within XXXX days, as mandated by the FCRA. Please send your response to my address listed above. I appreciate your prompt attention to this matter and look forward to resolving this dispute amicably. Thank you for your cooperation. Sincerely, 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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally demand that you immediately cease and desist from reporting inaccurate, unfair, or outdated information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer credit laws.

I have recently reviewed my credit report and identified the following issues that I believe are in direct violation of my rights as a consumer : These inaccuracies are harming my credit score and adversely affecting my ability to obtain credit, housing, and other financial services. I have made reasonable efforts to dispute these entries through [ insert method, such as " the dispute process, '' " your online portal, '' etc. ], but they have not been addressed adequately or in compliance with the FCRA.

Under the FCRA, I am entitled to a fair and accurate credit report. Your failure to correct these errors violates my rights as a consumer. I am also concerned that these inaccuracies may be the result of negligence, miscommunication, or intentional disregard of my rights. 

This letter serves as a formal demand that you : Cease and desist from reporting any further inaccurate, outdated, or unfair information about my credit. 

Correct or delete the inaccuracies in question within 30 days as required by the FCRA. 

Provide written confirmation that these issues have been resolved and that my credit report has been updated accordingly. 

Please note that if this issue is not resolved within 30 days of the receipt of this letter, I will be forced to take further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal action for damages caused by this violation. 

I expect to receive your response and confirmation of the corrections made no later than [ insert specific date, which should be 14 days from the letter date ]. 

Thank you for your prompt attention to this matter. 

Credit coll account : XXXXXXXX credit coll account XXXX credit coll account XXXX credit coll account 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 2025-03-26 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: FL

Complaint narrative:
Subject : Formal Complaint : Investigation of Consumer Rights Violations by XXXX XXXX ( Account : XXXX ) To Whom It May Concern, I am submitting this formal complaint regarding alleged violations of my consumer rights under federal law by XXXX, related to the mishandling of my account XXXX Account : XXXX ). I request that the Consumer Financial Protection Bureau investigate these violations immediately under the authority of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Below, I have outlined the specific violations I believe have occurred : Violations of Federal Law Violation of Right to Privacy under 15 U.S.C. 1681 ( Section 602 ) : The FCRA explicitly provides me with the right to privacy regarding the collection, dissemination, and use of my consumer information. I believe XXXX has violated this principle by mishandling my account information without proper authorization. 
Violation of Written Instruction Requirement under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) : According to the FCRA, a consumer reporting agency can not furnish a consumer report without my explicit written instructions. I did not authorize NR/SMS/CAL to access or share my credit information, and any such action was undertaken in violation of federal law.

Violation of Timely Payment Processing under 15 U.S.C. 1666b : Under the Truth in Lending Act, creditors may not treat a payment on a credit card account under an open-end consumer credit plan as late if the payment is received by XXXX XXXX. on the due date at the specified location. I believe XXXX improperly treated a timely payment as late, which has negatively impacted my account and potentially my credit report. 
Outcome Desired I am requesting the CFPB to : Investigate the aforementioned violations by XXXX 
Require XXXX to provide a full explanation of their actions regarding the alleged violations. 
Ensure that any inaccurate or improperly handled information is corrected, and all adverse actions against my account are reversed.

Additionally, I request that any adverse impact to my credit score caused by these violations be rectified immediately. 
Supporting Information Account Number : XXXX Date of Issue : XX/XX/year> XXXX Conclusion I trust that the CFPB will take this matter seriously and conduct a thorough investigation. These violations have caused undue stress, potential harm to my financial standing, and a breach of my consumer rights under federal law. I look forward to receiving an update regarding the resolution of this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
Subject : Formal Complaint : Investigation of Consumer Rights Violations by XXXX XXXX ( Account : XXXX ) To Whom It May Concern, I am submitting this formal complaint regarding alleged violations of my consumer rights under federal law by XXXX, related to the mishandling of my account XXXX Account : XXXX ). I request that the Consumer Financial Protection Bureau investigate these violations immediately under the authority of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Below, I have outlined the specific violations I believe have occurred : Violations of Federal Law Violation of Right to Privacy under 15 U.S.C. 1681 ( Section 602 ) : The FCRA explicitly provides me with the right to privacy regarding the collection, dissemination, and use of my consumer information. I believe XXXX has violated this principle by mishandling my account information without proper authorization. 
Violation of Written Instruction Requirement under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) : According to the FCRA, a consumer reporting agency can not furnish a consumer report without my explicit written instructions. I did not authorize NR/SMS/CAL to access or share my credit information, and any such action was undertaken in violation of federal law.

Violation of Timely Payment Processing under 15 U.S.C. 1666b : Under the Truth in Lending Act, creditors may not treat a payment on a credit card account under an open-end consumer credit plan as late if the payment is received by XXXX XXXX. on the due date at the specified location. I believe XXXX improperly treated a timely payment as late, which has negatively impacted my account and potentially my credit report. 
Outcome Desired I am requesting the CFPB to : Investigate the aforementioned violations by XXXX 
Require XXXX to provide a full explanation of their actions regarding the alleged violations. 
Ensure that any inaccurate or improperly handled information is corrected, and all adverse actions against my account are reversed.

Additionally, I request that any adverse impact to my credit score caused by these violations be rectified immediately. 
Supporting Information Account Number : XXXX Date of Issue : XX/XX/year> XXXX Conclusion I trust that the CFPB will take this matter seriously and conduct a thorough investigation. These violations have caused undue stress, potential harm to my financial standing, and a breach of my consumer rights under federal law. I look forward to receiving an update regarding the resolution of this 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 2025-03-26 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: TX

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I applied for card was approved revived card then the card was closed for no reason that they would explain

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
This car needs to be removed from my credit profile cause it was paid in full wasnt a repo car neither

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Using the recent lawsuit fromXX/XX/XXXX and XXXX!! Write me a dispute from theFCRA, Because I be getting my credit cards an loans denied thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Back in XXXX last year I wanted to purchase air conditioning repair from my friend 's company and I sent XXXX through PayPal thinking it would come out of my external bank account at another bank, well it didn't and my XXXX XXXX was charged. So, I asked my friend to refund the money and he tried to but PayPal froze his account and he couldn't do it. He calls PayPal and tell them what happened and they say the person who sent the money has to call, so I call in they tell me he has to call and that he should refund the money and tell them they froze his account so he doesn't have access. The agent said there's nothing else they can do and that I should contact XXXX XXXX to cancel the transaction, so I call XXXX XXXX and they say they'll stop payment and start an investigation into the matter about 3 days later I get notice from XXXX XXXX that the issue was resolved and PayPal refunded the money so this was the first week of XX/XX/XXXX fast forward XX/XX/XXXX and I get a notification from PayPal stating that they debited my account XXXX dollars because they sent two refunds to XXXX XXXX. 
I contact XXXX XXXX and they send me a copy of every transaction my card ever had with PayPal and it shows only XXXX refund issued, I show the statement to PayPal and explained there was no extra refund sent and they say we need an email from XXXX XXXX or a Transcript of your conversation with them. Long story short I've sent them multiple transcripts and statements showing no extra refund was given and after being cursed out and hung up on I'm at wits end. 
They my friend a collection bill as well yesterday saying that he owes them for the transaction. These are unscrupulous practices and they shouldn't be able to get away with it. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief