vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I keep getting phone calls and voicemails from portfolio recovery Ive asked them to verify the debt that they are asking because I know nothing of it. They also call my son and daughter that are XXXX XXXX XXXX on their cell phones and leave long voicemails.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Breach of information FERPA. XXXX obtained my confidential information without permission. Information that pertained to a XXXX XXXXXXXX that is now being held by XXXX services. Information that contained my date of birth, social security number, and financial information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: IN

Complaint narrative:
MONTEREY COLLECTION SXXXX is now " Parking '' or " Re-aging '' a debt that is not mine ( POLICE REPORT ATTACHED ) and they have a copy. I filed a complaint with CFPB in XXXX about this particular debt so they are well aware of what they are doing. The debt was deleted from XXXX and XXXX XXXX when they received the police report. However, XXXX did NOT honor the resolution. XXXX has allowed Monterey to add this debt AGAIN lowering my score. 
Secondly, XXXX has not sent the document in which they said the debt was verified to me. Last but not least, Monterey added a note to my account about referring this debt to the federal government but shortly afterwards, it has been removed and replaced it with " meets FCRA requirements, '' by XXXX. Needless to say, Monterey has begun calling, leaving text messages, and voicemails everyday since XX/XX/XXXX ( attached to this complaint ). They prey on people who they believe will not fight back! 
On a different note, Monterey is required to report any " Cancellation of Debt '' to the IRS and the debtor on a Form 1099-C, " which obviously they have not done because they are to busy still trying to collect. 
I am filing this complaint because I believe they are in direct violation of the following : 15 USC 1692g ( Validation of Debts ) 15 USC 1692k ( Civil Liability ) 15 USC 1692 ( a )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
I AM VICTIM OF THE XXXX DATA BREACH AND TICKET MASTER DATA BREACH. ATTACHED IS A COPY OF MY IDENTITY THEFT REPORT WITH ALL FRAUDULENT INQUIRIES LISTED. BELOW ARE ALL FRAUDULENT INQUIRIES LISTED ON MY TRANSUNION ACCOUNT. 

FRAUDULENT TRANSUNION INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to notify that I am a victim of identity theft and a data breach as such I request to block and delete all accounts mentioned pursuant to my rights under FCRA 15 USC 1681c-2 ( a ) 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 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to notify that I am a victim of identity theft and a data breach as such I request to block and delete all accounts mentioned pursuant to my rights under FCRA 15 USC 1681c-2 ( a ) 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I ahve asked several times to have my personal information deleted and updated. I have been asked to attach my ID which i have done several times and they still refuse to update my credit file with the correct info.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX is reporting a late payment on my credit report for XXXX XXXX  The payment to the company was never late and was made on time. 
The company & credit bureau did not provide me with a written notice of late payment before reporting this payment.

The credit bureau needs to provide me with proof of late payment and investigate this matter.

This is hurting my ability to get credit.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I already mailed to Experian Customer Support and requested the removal of an account with adverse information and the removal of unauthorized or outdated hard inquiries from my credit file. 
Here is the Adverse Account Removal Request that I have identified on my credit report that is inaccurate or outdated. I asked EXPERIAN to review and remove the following : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Removal : Not Mine And here are Hard Inquiry Removal Request that I have noticed these hard inquiries on my credit report that I did not authorize or are outdated. I kindly requested their removal : 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  To support my request, I have included the following documents to EXPERIAN. 
XXXX. Proof of identity - drivers license XXXX. Proof of residence Utility bill XXXX. Proof of social security number Social security card But the Experian answered that all information is accurate as result of my dispute.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, as they're impacting 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 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted creditors listed in this complaint to make them aware of incident relating to someone using my personal information to obtain credit. I have also forward both creditors and credit reporting agency FTC identity theft report and police report..However, the accounts still remain listed on my credit report..Under the Fair Credit Reporting Act 605B, this is a violation of my federal rights..I have requested that this information be blocked/ deleted per receiving Ftc identity theft report..I have taking the liberty of refiling a new report, with police department in my area..I have also ask for documentation, name, phone number, etc of the person in charge of reporting these accounts under FCRA usc, 1681..I recieve no such proof of these accounts in fact belongs to me..I have been unable to obtain credit, due to this incident, which undermines the legitimacy of my credit worthiness..It is a misrepresentation of my credit report and violates the Fair credit reporting act..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am writing to formally file a complaint against PayPal Credit/Synchrony Bank ( `` PayPal '' ) regarding its failure to properly credit my account for a {$1000.00} overpayment made to XXXX XXXX for the purchase of a mountain bike and accessories. 

On XX/XX/XXXX and XXXX, XXXX, PayPal processed five transactions totaling {$5200.00} to XXXX XXXX  on my behalf. The intended purchase amount was {$3200.00}, resulting in an overpayment of {$2000.00}. XXXX XXXX acknowledged it received an overpayment of {$1000.00} and refunded that amount, which was properly credited to my PayPal account . However, XXXX XXXX  denied receiving the remaining {$1000.00} overpayment.

I contacted PayPal to request that the remaining {$1000.00} be credited to my account. Despite providing all relevant documentation, including an invoice for the {$3200.00} total purchase price, and PayPal 's acknowledgment that they paid XXXX XXXX  {$5200.00} in total, PayPal denied my request.

PayPal 's decision appears to be based solely on the merchant 's denial of receiving the additional {$1000.00}, without conducting a more thorough investigation to determine whether a system issue resulted in the errant {$1000.00} charge.

This unresolved issue has caused significant frustration and financial inconvenience. I am seeking the CFPB 's assistance in investigating this matter and ensuring that PayPal credits the {$1000.00} overpayment to my account.

I have attached the following documents to support my complaint : - Purchase Invoice - Statements reflecting the transactions and refund.

- Correspondence with PayPal regarding the dispute. 
- Documentation from XXXX XXXX  acknowledging the partial refund.

Please let me know if additional information or documentation is required. I appreciate your attention to this matter and look forward to your assistance in resolving this issue.

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 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: TX

Complaint narrative:
I review my copy of my credit report, I had fraudulent ccount .This us not my account, please remove on my credit report 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 2025-04-05 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: DE

Complaint narrative:
Someone open a XXXX XXXX credit card account in my name. I did not open an account and it should be deleted from all three credit bureaus.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Someone open a XXXX XXXX credit card account in my name. I did not open an account and it should be deleted from all three credit bureaus.

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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Someone open a XXXX XXXX credit card account in my name. I did not open an account and it should be deleted from all three credit bureaus.

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 — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have no contract, promissory note, or wet-ink signature agreement on file with XXXX XXXX XXXX nor have I ever received a valid statement or sworn affidavit from them verifying the alleged debt and the lawful basis for the charge-off. You are reporting several discrepancies on XXXX, Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2,. A charge off can not be reported with a past due balance or a late status.

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: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I tried using my BMO card at a XXXX and it was declined. The afternoon of XX/XX/XXXX, i called to find out why my card was declined. After all, I've never been late on a payment, I've never missed a payment and I recently paid the card down! When I called, they gave no reason just said it was in the agreement that they could shut me off for any reason. So i asked what was the reason. They just repeated that it was in the agreement. I finally asked for a supervisor and when I was connected with one, he again just repeated that it was in the agreement. Still wouldn't tell me the reason! I mustve asked each person at least 5 times what the reason was. They wouldn't tell me, then, they just hung up on me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit card bill is due on the XXXX of every month which appears that way on the app. I pay my bill on time before the bill is due every month since I first got this credit card in XXXX. This card is a secured card. I only use it for XXXX purposes so that I can get back & fourth to & from work so after my bill was paid, I use my card & every report has been reported correctly that I paid my bill on time. This time around, as of today XX/XX/XXXX, I noticed there was an XXXX point credit deduction in my score showing a balance of {$190.00} even though I paid my bill ahead of time on XX/XX/year> of {$190.00}. When I called to inquire about why this happened, I was first told there was no department in which I could speak to someone in charge of sending credit information to bureaus over the phone that could help me & that they leave all of that to automated systems leaving me with one choice being to send them a letter via mailbox because they needed detailed information regarding my dispute so over the phone couldnt work & an email full of details & screenshots wouldnt be good enough. Then it went from that to oh you paid your bill on time but we dont report that we only report the balance when the cycle ends which is 6 days after. That is information that was never made privy to me & that is false business practices simply due to the fact that anything done after my due date is irrelevant information once my bill has been paid. In the app it shows payment due on the XXXX of every month XXXXXXXX XXXX not oh we only report what your balance is when the cycle day ends so the due date actually doesnt matter at all. Then I was told that every single credit card company does this too which is completely false & a blatant attempt to insult my intelligence by lying to me. I paid my bill earlier that it was due, the minimum payment was {$25.00} & I paid {$190.00}. Capital one has not only tainted my credit report, but put me in a financial bind. I need my credit report to get a car that I have been saving up for & now that has to be significantly pushed back while waiting for this to be overturned. Attached will also be a circled date and time when my bill is due. It will say XX/XX/XXXX. My due dates monthly are on the XXXX of each month & every month my bill was paid either in full, or the minimum payment was met.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have reported unauthorized inquiring transactions which is from Identity theft I did not give my written consent nor verbal consent, The listed companies are in violation of 1681b please investigate and send updated communication on this matter

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have reported unauthorized inquiring transactions which is from Identity theft I did not give my written consent nor verbal consent, The listed companies are in violation of 1681b please investigate and send updated communication 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 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive never had an account with this company before and would like to ask for 15 U.S.C 1681 and 15 U.S.C 1681g I would like for the report to be taken of my credit report im not knowledgeable of this 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 explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy Federal credit Union refuses to let me log into my account or access a debit card But my account is still active and I have money in it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: DISCOVER BANK
State: OH

Complaint narrative:
discover credit card company has lied to me since I filed fraud charges against XXXX blocking my credit card and any transactions since I filed fraud charges specificaly XXXX from the executive office of discover has lied to me I have been a member since XXXX paid my bill in full every month beware discover is liars No transaction are exempt from fraud no matter what proof you have discover and employees are criminals I have had them send me 6 new credit cards and the fraud continues Discover card has been hacked by the XXXX will not take accountability for the breach of data beware stay away fro discover the XXXX have them hacked and take no responsibiliy for the breach of your data

Company response to consumer: Closed with explanation