vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: PA

Complaint narrative:
I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at XXXX. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report.

Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX Creditor : CAPITAL XXXX XXXX .A. ) XXXX Balance Owed : {$490.00} PORTFOLIO XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$4100.00} DP OF XXXX XXXX Balance XXXX : {$3600.00} XACTUS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/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 2025-03-18 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: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
I was a Victim of Identity Thief and Fraudulent Schemes from XXXX. My Personal Information was compromised and sold on the dark web. I applied for a Lease and the Imposter sent and application, I applied and sent all requested documents. These Documents Included all my Personal Information/Banking Account Numbers/ Copy of my SSN Card/ Driver 's License, Residential information from the past 5 years. I filed a Police Report, but wasn't able to retrieve the rental Deposit of {$2500.00} I deposited Into the 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 2025-03-18 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 recently reviewed my credit report and discovered an inaccurate late payment reported on my XXXX account ( Account Number : XXXX ). All payments have been made on time, making this late payment notation incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of the data they report, and knowingly reporting incorrect information violates this law. My account has never been late, yet the credit bureaus have reported discrepancies : TransUnion and Experian incorrectly list a XXXX late payment for XX/XX/XXXX and XX/XX/XXXX, while XXXX inaccurately XXXX XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. I request verification of compliance with 15 U.S. Code 1666b, which requires that periodic statements be delivered at least 21 days before the due dateplease provide the periodic statement and tracking number confirming delivery. I have attached my credit report highlighting these inaccuracies. Since all payments have been made on time, I request these errors be corrected within 15 days of receipt.

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 2025-03-18 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: AZ

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated tore move these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$0.00} XXXX XX/XX/XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was a Victim of Identity Thief and Fraudulent Schemes from XXXX. My Personal Information was compromised and sold on the dark web. I applied for a Lease and the Imposter sent and application, I applied and sent all requested documents. These Documents Included all my Personal Information/Banking Account Numbers/ Copy of my SSN Card/ Driver 's License, Residential information from the past XXXX  years. I filed a Police Report, but wasn't able to retrieve the rental Deposit of {$2500.00} I deposited Into the XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-03-18 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-03-18 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
recently check my credit report i noticed that i have victim of identity theft numeros credit inquiry close sccount that i have no idea can we remove it please Equifax XX/XX/XXXX, Transunion XX/XX/XXXX XX/XX/XXXX, Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
recently check my credit report i noticed that i have victim of identity theft numeros credit inquiry close sccount that i have no idea can we remove it please Equifax XX/XX/XXXX, Transunion XX/XX/XXXX XX/XX/XXXX, Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I have reached out to creditor 's and asked them to provide me with amount owed and the amounts keeps increasing on my credit reports without providing me with validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
Ok so on XX/XX/XXXX of XXXX I had a XXXX account never had a problem until that day on XX/XX/XXXX of XXXX I used my card to get air and vacuum when I went to XXXX to try to take money out it wouldn't let me so I called XXXX  and they guy said there was a glitch in the sytem and to continue to try so I did and the next thing I know my account. Was frozen so I sent my i.d . as requested and selfie we'll XXXX  months later still no funds they took XXXX that's still in my account and will not release it when I say I have tried everything and still no luck no representative want talk to me they said i will have to wait 180 days we'll still no funds it's just sitting there this poor customer service can someone please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-18 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 company did not provide the requested information to confirm the balance or ownership, Experian did not research my request as well. This should have been removed accordingly for regional acceptance. The response from Experian was that XXXX  XXXX ( incorrect ) account was to remain on my credit report. This is contradictory as they stated its incorrect but refused to remove the item.

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 2025-03-18 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have sent letters on as recent as XX/XX/year> and requested to validate debt amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
[ XXXXXXXX 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 ] [ Midland Credit Management ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Subject : Request for Debt Validation [ XXXX ] Dear Midland Credit Management XXXX I am writing in response to your letter dated XX/XX/XXXX, in which you claim that I owe a debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that you provide me with written validation of the alleged debt, including the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including any fees, interest, or additional charges. 3. A copy of the original signed agreement or contract stating that I am responsible for the debt.

4. Documentation showing that you have the legal authority to collect on this debt.

5. A detailed history of payments and charges associated with this debt.

Until I receive proper validation, I request that you cease all collection activities, including reporting this debt to credit bureaus, in accordance with my rights under the FDCPA. 

If you are unable to provide the requested information, I ask that you promptly remove any references to this debt from my credit report and cease further contact regarding this matter. 

Please respond to this request in writing within 30 days. If you fail to validate this debt, I will consider it invalid and will take any necessary steps to protect my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: SC

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXXXXXX 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 XXXXXXXX

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 2025-03-18 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: SC

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXXXXXX 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 XXXXXXXX

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 2025-03-18 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am writing to formally file a complaint for theft of services against XXXX XXXX. I provided carpentry services at XXXX XXXX residence, located at XXXX XXXX XXXX, XXXX, Georgia, XXXX. I completed approximately 8090 % of the agreed-upon work under our service agreement. However, after a significant portion of the work was completed, XXXX XXXX reversed his credit card charges via XXXX XXXX and PayPal, thereby withholding payment for the services rendered. 

According to our agreement, all custom work and materials are non-refundable. Since 80 % of the project has been completed, I am responsible only for the materials that have already been purchased. It is important to note that my services do not include the cost of these materials, and therefore, the client must cover the expense associated with them. 

Details of the Complaint : Service Provided : Carpentry work as agreed upon in the service contract. 

Location of Services : XXXX XXXX XXXX, XXXX, Georgia, XXXX. 

Timeline : Work commenced on [ insert start date ] and reached 8090 % completion by [ insert approximate completion date ]. The reversal of the charges occurred on [ insert date ( s ) ]. 

Amount Owed : $ [ insert amount owed ] ( as per the invoice/service agreement ). 

Payment Method Reversed : Credit card charges through XXXX XXXX and PayPal. 

Nature of the Dispute : The reversal of payments constitutes a theft of services, as I have fulfilled my contractual obligations by completing the majority of the work and providing documented evidence of performance. 

I respectfully request that PayPal and XXXX XXXX re-examine and reverse their decision. My client and I entered into a legally binding, signed contract that explicitly states all custom work and materials are non-refundable. Furthermore, since 80 % of the project has been completed, I am only responsible for the materials that have already been purchasedexpenses which are separate from my services. It is crucial that the terms of our contract be honored, and I urge you to take this into account in your decision. 


Reversing the charges not only violates the terms of our agreement but also has broader implications for the average hard-working American. Actions such as these can hurt small businesses and independent contractors who depend on fair and timely compensation. It is not right to use XXXX XXXX as a shield to reverse charges and avoid meeting contractual obligations, effectively undermining the hard work of those who rely on these agreements.

Company response to consumer: Closed with monetary relief