vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-15 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: NY

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 XX/XX/XXXX Account Name : XXXXXXXX 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 XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted my ftc identity theft report with corresponding proof of identity on XX/XX/XXXX. I called the company to confirm receipt and they informed me that it appeared to come from a 3rd party and they couldn't accept it. I confirmed that I typed the letter and mailed the letter myself and they still wouldn't process my identity theft paperwork. Please help, this is hindering me from moving forward with my life financially.

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 2025-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I have a mortgage with Cross Country Mortgage since XXXX. In XXXX they changed their servers and made it impossible to log in and make payments. I've been trying to get in contact with someone at their XXXX number since XX/XX/XXXX, and nobody is returning my emails or calls. Every time I call, the call center says they've been instructed by Cross Country to not transfer any calls. I've been told they would call me back and they never do. I've been actively trying to pay my mortgage with no luck. Their website doesn't work. When I log in, it loads and then goes back to the login page. I've reset my password several times and still no luck. Happy to provide a video of the error. 

It is now the XXXX, my credit score will officially be impacted by this late payment. Cross Country is the reason for this drop and should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/year> I paid XXXX payments they reported to the credit bureau on XX/XX/year> as late and threatened me about {$15.00}

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 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
According to FCRA requested debt validation letter both XXXX XXXX and XXXX have not received 15.usc.1681c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Received a call from Bank of America stating that someone by the name of XXXX XXXX from XXXX XXXX XXXX XXXX Texas XXXX had applied for a credit card using my name and address plus my SS number. She also used my phone number. The application was done online. 
I have no idea who this woman is nor have I ever been to Texas. 
I really don't know if the call from Bank of America is legit. 
Bank of America XXXX. 
Please 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 explanation
Consumer complaint received 2025-03-15 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: NJ

Complaint narrative:
I am submitting a follow-up complaint regarding an issue with XXXX XXXX XXXX XXXX XXXX of my payment history. I had filed an initial complaint about inaccurate late payment reporting for the months of XXXX and XX/XX/year>. XXXX XXXX XXXX responded, acknowledging the error and promising to update the reporting with the consumer credit bureaus ( Experian, XXXX, XXXX, and XXXX ) to reflect the correct payment status for those months. 

XXXX XXXX XXXX XXXX stated that the account would be reported with a payment rating of " XXXX  '' ( No payment history available ) for XXXX and XX/XX/year>. They further mentioned that it could take up to 10 business days for this update to be reflected in the credit bureaus ' systems. However, as of today, my Experian credit report still shows late payments ( 30 days late for XXXX and 60 days late for XX/XX/year> ), despite XXXX  confirmation that they would correct the information. 

I am seeking confirmation that XXXX XXXX XXXX has updated the reporting with all consumer reporting agencies and that Experian has reflected the corrected status of my account. If the issue persists, I request further investigation and prompt resolution.

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 2025-03-15 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim I owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported the debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I received an erroneous Zelle payment for XXXX XXXX cookies on XX/XX/2025. 
I reported the erroneous Zelle deposit to Zelle through my bank because the money was not mine and I really wanted the Girl Scouts to get their money. Next thing I know Zelle had withdrawn the erroneous amount and THEN deactivated MY Zelle account. One can not contact Zelle directly but must get your bank 's assistance to try to straighten things out. My bank and I have been working ever since to try to get my Zelle account restored- and we have gotten as far as I can re-enroll in Zelle but can not use my current phone number or current email. I only have XXXX phone number and I'm not going to change that just for Zelle access. My bank has escalated my problem with Zelle. I am so angry that I am the good guy here and Zelle is punishing me for being honest. 

In addition, as far as I know Zelle has NOT returned the money to the person who made the deposit to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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 recently reviewed a copy of my credit report and noticed I had fraudulent activity.

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 2025-03-15 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
XX/XX/year> To Whom It May Concern : I am in receipt of your cover letter and alleged creditor statement, dated XX/XX/year> and received on XX/XX/year>. I am also in receipt of a bill from your company dated XX/XX/year> and received on XX/XX/year>. 

In my letter to you, dated XX/XX/year>, I disputed the validity of the alleged debt in its entirety and requested verification of the alleged debt, specifically, a copy of the original purchase agreement. The purchase agreement must be with the original creditor and signed by all parties involved. This request was made because other companies have contacted me about the same alleged debt. To date, I have not received the documentation listed above from your company. 

As allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you allow me to validate the alleged debt. I am also allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to the reported provider of service to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be released with my authorization.

My request is now two-fold : ( 1 ) validation of the alleged debt, specifically, a copy of the original purchase agreement with the original creditor and signed by all parties involved and ( 2 ) HIPAA authorization with my original signature authorizing release of my medical information to a third party. I further request full documentation of all correspondence received from the reported provider of service and your company in connection with this alleged debt. 

I request immediate deletion of all prior reporting made to any consumer reporting agencies, including, but not limited to, XXXX, XXXX, XXXX, and XXXX. Cease collection efforts until this alleged debt is validated. Any reporting of this alleged debt to the credit bureaus prior to allowing me to validate may be a violation of the FDCPA and can allow me to seek damages from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Experian Equifax XXXX all improperly reinsert debt consistently back on my report on properly and consist of disputes that I have requested. Sent in proper information to each credit bureau and improperly have been restarting information back on to my credit report causing damages to my score and making more debt that was not old accrued on my behalf. They have improperly not doing a thorough investigation regarding debt that has been accrued by identity theft. Also data breach through corporations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: AZ

Complaint narrative:
Timeline XX/XX/year> - Tried to purchase tickets for the XXXX XXXX XXXX on XX/XX/XXXX - Tickets appeared that they would be {$390.00} for XXXX seats - After entering Credit Card info I was directed to XXXX XXXX that was providing the tickets and the total was now over {$1300.00} - Realizing this was a bait-and-switch scam I tried to cancel - Sent a Cancel Email to XXXX XXXX. Found their policy for not allowing cancel. 
- They allow you to sell the tickets and say you will get them between XX/XX/year> and XX/XX/year> XX/XX/year> - Seeing the sophistication of the scam and the fact that I didn't get any tickets I decided to put in a dispute with our Credit Card provider Citi XX/XX/year> - Citi notified that they received the dispute XX/XX/year> - Citi tried to contact the merchant XX/XX/year> - Email from Citi says the merchant responded ( this is the day of the show ) XX/XX/year> - Citi says that the dispute was resolved and that the customer was responsible. 
XX/XX/year> - Citi sent an Email saying if we dispute further that we need to provide XXXX XXXX XXXX XXXX XXXX XX/XX/year> - I never got refunded and I never got any tickets. Citi and XXXX XXXX decided that they get their money and I get nothing.

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 2025-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
We disputed the debt 's validity according to the Fair Debt Collection Practices Act. We sent a certified letter within 30 days of receipt of the unjustified notice. The debt collector, I.C. Systems, received the certified letter disputing the debt 's validity on XX/XX/year> at XXXX XXXX. The disputed validity stated, " ... this is not my debt. " The debt collector, I.C. Systems, despite evidently having received the " not my debt '' letter on XX/XX/year>, violated the Fair Debt Collection Practices Act by sending an additional unjustified notice dated XX/XX/year> for the same claimed debt that had been declared as " ..not my debt, '' within 30 days of receipt of the unjustified notice. 
Under the FDCPA, specifically Section 1692g ( b ), if a consumer sends a written notice within 30 days of receiving initial communication from a debt collector I.C. Systems disputing the debt ( e.g., a " not my debt '' letter ), the collector I.C. Systems must cease collection efforts until they verify the debt and provide that verification to the consumer. Ignoring such a letter isnt just a procedural slipits a direct violation of federal law. If collectors persist despite repeated disputes, theyre also potentially breaching Section 1692d ( harassment or abuse ) and Section 1692e ( false or misleading representations ).

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As a professor of over 10 years and non profit of 22 years my STUDENT LOANS WERE FORGIVEN AND REMOVED XX/XX/year> and now the credit agencies have fraudulently placed student loans on my credit report while in the middle of purchasing my new home. Im also have been approved AND PROTECTED by XXXX XXXX XXXX OF UNITED STATES ADVERSARY PROCEEDINGS CASE NO XXXX CREDIT AGENCIES MUST REMOVE AND DELETE ALL STUDENT LOAN WITHIN LEGAL DAYS OF DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a professor of over 10 years and non profit of 22 years my STUDENT LOANS WERE FORGIVEN AND REMOVED XX/XX/year> and now the credit agencies have fraudulently placed student loans on my credit report while in the middle of purchasing my new home. Im also have been approved AND PROTECTED by XXXX XXXX XXXX OF UNITED STATES ADVERSARY PROCEEDINGS CASE NO XXXX CREDIT AGENCIES MUST REMOVE AND DELETE ALL STUDENT LOAN WITHIN LEGAL DAYS OF 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 non-monetary relief
Consumer complaint received 2025-03-15 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX - Balance {$340.00}

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 2025-03-15 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX  XX/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 non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief