vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
A friend of mine sent me money through XXXX on XX/XX/XXXX. XXXX payment for {$970.00} and XXXX payment for {$940.00}. I reached out to my friend and he didn't authorize these payments so we both reported them as fraud. Someone had hacked his account so I told him to change his password. XXXX XX/XX/XXXX after nothing had been done I transfered money back to him through XXXX for {$1900.00} ( the total of both payments together ) and then I called him to verify that he received the funds and he confirmed that he did. On XX/XX/XXXX XXXX locked out my account and wouldnt re-instate it without receiving {$1900.00} from me as a repayment. I emailed them and told them that I had already returned the funds. On XX/XX/XXXX I received a response from XXXX saying that they were working on it. A couple email exchanges and then they told me it could take XXXX  days. I asked my friend to reach out to his bank and he did. My friend told me that his bank informed him that this was a XXXX issue and that they didn't have the money. Yesterday XX/XX/XXXX I informed XXXX that I would be filing a report if they didn't give me my money back ( {$1900.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Unauthorized Changes to Credit Report and Data Breach Concerns I am writing to formally express my concerns regarding serious issues with my credit reports and the handling of my personal information by XXXX, XXXX, and Lexington Law XXXX. 

First, my personal data was compromised in data breaches involving these companies, which has left my privacy unprotected. Additionally, there was an unauthorized unlocking of my credit freeze. I had previously ensured that my credit reports were securely locked and did not authorize these changes. I asked for the incorrect addresses to be removed and it was not. 

Moreover, there are incorrect addresses listed in my credit report that I have repeatedly requested to be corrected. Despite my efforts, these inaccuracies persist. Given the significant breach of my privacy, unauthorized changes, and ongoing inaccuracies, I am seeking immediate action to rectify these issues, ensure my data remains protected, and provide accountability for these violations. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: WI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: SC

Complaint narrative:
XXXX XXXX XXXX has been reporting missing payments to credit bureaus for months that I paid and I have proof. Since I purchased this vehicle it has been nothing but problems with this finance company. XXXX, XXXX, XXXX, Payments were drafted out of my bank account. Im currently going back other months with my bank. XXXX XXXX XXXX has been doing bad business since this vehicle was purchased. Over priced finance charges even with a co-signer and a large down payment.

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 2025-02-18 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Ordered an item from XXXX, they shipped the item without any means of signature confirmation. There was only a XXXX tracking number with a close-up photo. The biggest issue is that I didnt receive the item. I reached out to XXXX who insisted that the shipping and delivery confirmation method without a signature requirement is consistent with policy. Amex has insisted that is consistent with their network policy. How is this exactly fair to a consumer who purchases an item but never receives it? I have attempted two times to reopen the case with Amex who have stopped the charge back process and ruled in favor of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-02-18 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-02-18 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: RI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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:
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 XXXX 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 2025-02-18 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: IL

Complaint narrative:
I have followed every required step to dispute inaccurate items on my credit report, yet they remain uncorrected. This situation is unacceptable and must be resolved immediately. 

I strongly believe these discrepancies stem from a data breach and demand their removal without further delay. 

The Fair Credit Reporting Act ( FCRA ) exists to prevent situations like this, where consumers are subjected to unfair and inaccurate reporting. Allowing these errors to remain is not only a violation of my rights but is also harming my financial well-being. 

Immediate action is expected.

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 2025-02-18 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: WI

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
DOE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-18 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: OH

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I do not believe this inquiry was authorized on this date. Please remove it from my credit report XXXX XXXX XXXXXX/XX/year> - I do not believe this inquiry was authorized on this date. Please remove it from my credit report XXXX XXXX XXXXXX/XX/year> - I do not believe this inquiry was authorized on this date. Please remove it from my credit report XXXX XXXX XXXXXX/XX/year> - I do not believe this inquiry was authorized on this date. Please remove it from my credit report

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 2025-02-18 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: IL

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within XXXX days. Relevant documents have been included for your review.

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 2025-02-18 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-18 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: IA

Complaint narrative:
I have filed a dispute regarding one account with Experian several times over the last two months. The Account is with XXXX XXXX. Experian has continued to report inaccurate information on the account, and recent " changes '' they claim to have made to the account only reflect even MORE inaccurate info. 

Experian is showing the account with a repossession in XX/XX/year>, and the same account with a repossession in XX/XX/year>, and a 30 day late payment in XX/XX/year>. The car was voluntarily surrendered in XX/XX/year>, included in a XXXX XXXX  bankruptcy filing in XX/XX/year>, and under protection of automatic stay in XXXX of XXXX. There should be no reporting on the account other than " included in bankruptcy '' for XX/XX/year>, No reporting of a 30 day late payment in XXXX, and XXXX should reflect voluntary surrender.

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 2025-02-18 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: AL

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: IN

Complaint narrative:
so, my mortgage company USBANK pays for our home insurance every year. 
The insurance company, XXXX drops us every year after they get money from USBANK. only later to claim that they have never dropped us to began with. this has went on for XXXX years, long story short, my monthly payment has went from XXXX to as of XX/XX/year> to XXXX a month due to missing money in my escrow account. the bank say that i was supposed to receive money back from XXXX XXXX, which i never have received. we did how ever receive a check from XXXX XXXX XXXX  for XXXX which we paid back to USBANK and have sent in bank statements to back it up. i have even faxed said bank statement to USBANK, which yet again, they say they didn't receive. USBANK is saying that XXXX checks essentially sent out, but i'm accountable for? again, the only insurance check i have EVER received was from XXXX XXXX. which i deposited in my bank account and paid USBANK.

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