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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Name - XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX XXXX  The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX  - The following personal information is incorrect - The personal data reporting is inaccurate.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern : Upon reviewing a copy of my credit report, I have identified certain item ( s ) that are inaccurately reported : 1. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

2. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

3. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

4. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

5. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

6. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

7. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

8. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

9. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you conduct an investigation into these items and promptly remove them from my credit report. I understand that it is your responsibility to verify these items with the relevant creditor. Any information that can not be verified by the creditor should be deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please provide me with an updated copy of my credit report, free of charge, to the aforementioned address. Additionally, I kindly request that you notify any recipients of my credit report within the past six months about the corrections made. 

Thank you for your attention and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX tricked me into a fraudulent subscription, and now I'm being required by PayPal, which was used as a payment provider for this fraud, to pay the outstanding balance for this charge. I've filed a dispute with PayPal but it was denied without any explanation. 

Please read the attached document for a detailed explanation of how the fraud was perpetrated. 

Thank you!

Company response to consumer: Closed with 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have the MACYS XXXX XXXX  card and someone took my card and charged on it and they told me they were taking it off and they closed my card and sent a new one now they will not help and they are ruining my credit i asked them to fix and they will not help

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: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX Applied for a XXXX XXXX ( XXXX XXXX  XXXX credit card. It is Advertised on XXXX XXXX.The card states there will be no impact to your credit score. No hard inquiry will be on your credit report if not approved. Also they are advertising the same ( selling points ) all over Internet sites, and the provider website at ConcoraCredit. Com. I contacted them when I saw my report with the hard pull. They told me they couldn't do anything that I applied w cXXXX XXXX to contact themXXXX XXXX Is not the one who ran my credit when I applied. XXXX XXXX on report. They are misleading consumers with false advertising. Impacting my credit score. Where do I go from here? They have horrible reviews for misleading consumers. The inquiry affected points being removed. I only applied because of that guarantee.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 2025-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX - XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account XXXX : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 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: FL

Complaint narrative:
Complaint Against Equifax for Failure to Verify Late Payments Issue : Equifax has not conducted a proper investigation into the disputed late payments on my credit report.

Details : I initiated a dispute regarding certain late payments reported on my credit file, which I believe to be inaccurate. 
Equifax failed to provide adequate documentation or evidence to verify that these late payments are valid. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am entitled to receive a detailed explanation of the method of verification, which should include : The contact information of the entity responsible for verifying the late payment.

A comprehensive explanation of Equifaxs investigative process regarding my dispute. 
The specific documents or records used to substantiate the reported late payments. 
Despite my dispute, Equifax has not supplied the requested proof, and the disputed late payments continue to negatively affect my credit profile.

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: TX

Complaint narrative:
**Complaint Summary : ** I am filing a complaint against the credit bureaus for not removing fraudulent accounts from my consumer report, despite providing all necessary documentation, including a police report, FTC report, identity verification documents ( driver 's license, Social Security card ), and a dispute letter requesting the removal of fraudulent items. The accounts in question do not belong to me, and I have followed the proper steps to report the fraud. 

**Detailed Description : ** I recently checked my consumer credit report and noticed several accounts listed that are fraudulent and do not belong to me. Upon discovering this, I immediately reported the fraud to the police and filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I also provided copies of my drivers license, Social Security card, and a dispute letter requesting the removal of these fraudulent accounts. 

Despite submitting the necessary documentation, the credit bureaus have failed to take appropriate action in a timely manner. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to block and remove fraudulent information within 2-4 business days of receiving notice of identity theft. The FCRA also allows for a 30-day period during which the bureaus can still conduct an investigation, but the fraudulent accounts must be removed or blocked within the initial 2-4 business day window.

I have not received any confirmation that the fraudulent accounts have been blocked or removed from my report. This is a clear violation of my rights under the FCRA. 

I am requesting that the CFPB assist me in ensuring the credit bureaus comply with the FCRA and promptly remove the fraudulent accounts from my report. I also request that any fees or penalties related to this violation be assessed and appropriate action be taken. 

**Documentation Provided : ** - Police report confirming identity theft - FTC Identity Theft Report - Copy of my drivers license - Copy of my Social Security card - Dispute letter requesting the removal of fraudulent accounts

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have several accounts charged off that I never received, a 1099 C to count as income after companies wrote it off. Also, my mortgage is say late I was never late. I have receipts of the payments under that modification program and paid on time. Please advise the next steps to get my credit report updated.

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 status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have several accounts charged off that I never received, a 1099 C to count as income after companies wrote it off. Also, my mortgage is say late I was never late. I have receipts of the payments under that modification program and paid on time. Please advise the next steps to get my credit report updated.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Against Experian for Failure to Verify Late Payments Issue : Experian failed to properly investigate and verify the accuracy of late payments on my credit report. 

Details : I disputed late payments on my credit report and requested Experian to verify their accuracy. 
Experian has not provided proper documentation proving that the late payments were accurately reported. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I have the right to receive the " method of verification, '' including : The name and contact details of the entity that verified the late payment.

A detailed explanation of how Experian conducted its investigation.

The specific documents used to verify the accuracy of the reported late payments.

Experian failed to provide this information and continued reporting the late payments without proper verification.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting : TransUnion : XXXXXXXX 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 explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
CFPB XXXX XXXX : [ ] [ ] [,, ZIP ] [ ] [ ] [ ] Subject : Dispute of Medical Collection Account Violation of CFPB Regulations and Credit Bureau Policies To Whom It May Concern, I am formally disputing a medical collection account reported by XXXX on my credit file. The account details are as follows : Collection Agency : XXXX Amount : {$390.00} Date of Alleged Debt : XX/XX/XXXX According to the updated credit reporting policies of XXXX, XXXX, and TransUnion, medical debts that are less than 12 months old should not appear on consumer credit reports. This collection account was reported before the 12-month waiting period expired, making its presence on my report a direct violation of your stated policies. 

Furthermore, the CFPBs new rule, finalized on XX/XX/XXXX, explicitly prohibits the inclusion of medical debt in credit reports and bans the use of medical debt in credit decisions. This rule is set to take effect XX/XX/XXXX, and is outlined here : XXXX XXXX //www.consumerfinance.gov/about-us/newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/? XXXX  This means that the continued presence of this account on my credit report is unlawful under both your policies and federal regulations. 

Resolution Demanded : I demand the immediate and complete removal of this collection account from my credit file. 
Please provide written confirmation that the account has been permanently deleted. 
If this account is not removed within 30 days, I will escalate this matter by filing a formal complaint with CFPB for non-compliance with consumer protection regulations. 

I expect a prompt resolution of this issue. Failure to act in accordance with these rules will be seen as willful non-compliance, which may result in regulatory action against your agency. 

Sincerely,

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: AZ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX, XXXX, XXXX  - IncorrectPersonal XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 explanation