vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-04-05 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: MI

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 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 2025-04-05 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: AR

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, 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 2025-04-05 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-05 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, a personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I have disputed the debt listed by Southwest Credit Systems XXXX XXXX over the past XXXX years. Despite my repeated requests for validation, they have consistently failed to provide any supporting documentation or information verifying the legitimacy of the alleged debt. 

This ongoing failure to validate the debt is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which require that debt XXXX provide proper validation upon request. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action to ensure this inaccurate and unverifiable account is permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX online purchases happened in which the funds were taken out of my account now normally when anything is taken out of my accounts Bank of America sends emails and transaction history in which I received but when I realized that the monies were never placed back in my account I called I got the run around in XX/XX/XXXX no complete explanation today on XX/XX/XXXX they said the money was in my account and that never happened I was told XX/XX/XXXX there was no record of the transactions but I have the record that the bank says they couldnt provide all I want is my {$340.00} placed back into my account

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 2025-04-05 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
XX/XX/year> I sent out a dispute letter to Exeter finance regarding the reinvestigation they did. It has been over XXXX since they handled the matter. By law they have XXXX from time of receiving the dispute to resolve and respond back. They have not done either. They have violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX XXXX : PayPal , Inc . 

Issue : Problem with a purchase Refund. 

Description : On XX/XX/year>, I purchased a ticket for XXXX via PayPal XXXX. The sellers policy stated cancellations would receive a full refund. After canceling within the allowed timeframe, the seller refunded only XXXX. I provided PayPal with proof of cancellation ( attached ), but they repeatedly denied my claim under XXXX XXXX without justification. Despite appealing with agent XXXX, PayPal upheld the denial. I request intervention for a full refund under PayPals protection policies and Section XXXX of the Consumer Credit Act ( since PayPal Credit was used ). 

Attachments : PayPal transaction receipt Sellers refund policy & cancellation confirmation PayPal XXXX ID ( XXXX XXXX XXXX Previous communication with PayPa

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
XXXX XXXX, Social Security Number:XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX. Account number:XXXX Open date : XX/XX/XXXX. XXXX XXXX XXXX XXXXXXXX. Account Number:XXXX, XXXX XXXX XXXX XXXX, Georgia. I do not recognize the aforementioned account as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.The aforementioned account, is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have disputed the debt listed by Jefferson Capital Systems multiple times over the past XXXX years. Despite my repeated requests for validation, they have consistently failed to provide any supporting documentation or information verifying the legitimacy of the alleged debt. 

This ongoing failure to validate the debt is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which require that debt XXXX provide proper validation upon request. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action to ensure this inaccurate and unverifiable account is permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Sezzle Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding XXXX handling of my account and the potential negative impact to my credit report due to their system limitations. 

I recently attempted to update my phone number on my Sezzle account. However, I was unable to do so through their website or support channels. When I contacted Sezzle for assistance, the company responded stating : Im sorry to hear youre having trouble updating your phone number. I would be happy to assist in having your account deleted so you can create a new one and use Sezzle again. However, as you are enrolled in Sezzle XXXX, there may be impacts on your credit report to closing an account. We recommend contacting a trusted XXXX XXXX if you have more questions about how your credit can be impacted by Sezzle account activity or other things like lines of credit, credit cards, or loans. Please let me know if youd like me to proceed. 

I want to clearly state that I do not want my account closed. It is unfair and harmful to suggest account closure as the only solution to a simple issue with updating personal information. Additionally, Sezzle confirmed I havent used my account since 2021, yet the account remains open and in good standing. There was no misconduct or misuse on my part. 

The inability to update a phone number a basic account management function should not result in a situation that could negatively affect my credit score. This places consumers at a disadvantage due to flaws in the companys system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is the first time after many years I have applied for a credit card with Citibank and the experience has been beyond frustration. 

Last week, I was solicited with a AAdvantage credit card application when I was checking airline ticket prices on XXXX I have attached the screenshot of Citibank saying I am pre-qualified for 4 credit card offers. 

I started my application for the AAdvantage Platinum Select card and had to leave it halfway through as I got a call to pick up my daughter from my friends house. I picked her up in a few minutes, returned to the application, and submitted. There must have been a technical glitch or something with multiple browser windows open, but you accidentally ended up with 2 applications from me. The first and second application was denied because of multiple submissions. 

I called on XX/XX/year> and talked with a nice gentleman and he understood my situation and made a note on my account. Someone from Citi called me on XX/XX/year> but nothing positive resulted by from that call. He asked me to call again today ( XX/XX/year> ) and talk to someone. I just finished talking to a rude representative who said even though I had a XXXX of around XXXX, the application was denied due to multiple applications. This is super frustrating. 

A prequalified applicant with a close to XXXX FICO score and spotless credit history of over 28 years shouldnt have to go through this bad experience. On top of that, Citi has already dinged my credit as you made a hard enquiry on my records with credit bureaus. 

It appears that Citi bank is only going for prequalified applications to farm consumer information without providing any credit. I want them to either approve the credit card or remove the hard enquiry from my credit files permanently.

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 2025-04-05 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: CT

Complaint narrative:
This letter serves as a formal demand for the immediate rectification of my credit report. Due to multiple data breaches, including but not limited to : Equifax, affecting over 147 million individuals ; XXXX XXXX, affecting over 500 million ; XXXX, affecting over 700 million ; XXXX, affecting over 540 million my personal information, including my Social Security XXXX, has been exposed. Consequently, I have strong reason to believe that unauthorized and fraudulent activities have infiltrated my credit report. This situation is unacceptable, and I will not tolerate further delays in addressing this matter. 
I have already contacted the creditors listed below regarding items I suspect to be fraudulent, inaccurately reported, or incorrectly listed. To date, I have received NO response. I am also notifying the Federal Trade Commission ( FTC ) of your non-compliance, as I have documented and signed receipts confirming you received my previous correspondence. Your failure to comply with my request is a direct violation of 15 U.S. Code 1681e ( b ) - Accuracy of report compliance procedures. 
I demand that you either delete the disputed accounts or amend them to reflect an accurate status IMMEDIATELY. 
In accordance with 15 U.S. Code 1692g - Validation of debts, I require that you provide verification of these alleged items, including the original application, contract, note, or other instruments bearing my signature. Failure to comply will result in legal action for your willful non-compliance, as established in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. 
I expect you to forward all validation documents via the CFPB and certified mail to my address immediately. My identification has been provided for this purpose. Should you fail to remove the disputed account and issue a free, updated credit report promptly, I am prepared to pursue legal action against your company. 
Federal law mandates that you complete your reinvestigation within 30 days. I also demand a detailed account of your verification process within 15 days following the investigation. Should these disputed accounts not be deleted immediately, I will initiate legal proceedings seeking {$1000.00} for each infraction. 
Per 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), any reinsertion of previously deleted information must be communicated to me in writing within five business days of such action. 
Act accordingly, as I will not hesitate to escalate this matter legally if necessary.

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 2025-04-05 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-05 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: MA

Complaint narrative:
Dear XXXX XXXX and XXXX XXXX Team : I recently reviewed my credit report and was surprised to find a 30-day late payment reported for XXXX and XX/XX/year> on my mortgage account. This reporting does not reflect my intent or payment history, as I have always strived to maintain my account in good standing. 

During that time, I was either dealing with serious medical challenges or traveling internationally, and its possible that I never received the billing statement or that my bank flagged and temporarily restricted my account due to suspected fraud. Regardless, this situation was never intentional, and I believe the late payment is inaccurately reported.

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 2025-04-05 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:
Dear XXXX XXXX and XXXX XXXX Team : I recently reviewed my credit report and was surprised to find a 30-day late payment reported for XXXX and XX/XX/year> on my mortgage account. This reporting does not reflect my intent or payment history, as I have always strived to maintain my account in good standing. 

During that time, I was either dealing with serious medical challenges or traveling internationally, and its possible that I never received the billing statement or that my bank flagged and temporarily restricted my account due to suspected fraud. Regardless, this situation was never intentional, and I believe the late payment is inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MA

Complaint narrative:
Dear XXXX XXXX and XXXX XXXX Team : I recently reviewed my credit report and was surprised to find a 30-day late payment reported for XXXX and XX/XX/year> on my mortgage account. This reporting does not reflect my intent or payment history, as I have always strived to maintain my account in good standing. 

During that time, I was either dealing with serious medical challenges or traveling internationally, and its possible that I never received the billing statement or that my bank flagged and temporarily restricted my account due to suspected fraud. Regardless, this situation was never intentional, and I believe the late payment is inaccurately reported.

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