vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Google Compare Credit Cards Inc.

Complaint narrative:
Good day! I was charged XX/XX/year> with an amount of XXXX in XXXX XXXX. I cancelled immediately that day. However I was shocked as it got deducted automatically in my XXXX without asking for confirmation. I had no intention of purchasing an annual subscription with XXXX as I am not using the app nor will use in the future. I had already filed a complaint with XXXX XXXX and also XXXX but they failed to give me a refund. Then, i said to them If ever that will deny me of my right to refund the unwanted purchase. I will be then force to escalate this issue with the XXXX XXXX XXXX XXXX regarding their business practice. Attempting to trap people in lenghtly subscriptions is unacceptable. I know that I am covered with the customer protect policy. I hope my money back because i need this, for paying my tuition fee i can send the proof of transaction XXXX  deducted my money without my permission i I hope you can fix this. and I can get my money back, I also contacted XXXX and requested a refund but they still denied it, they seriously deducted XXXX  without permission! I hope they will focus on such tactics because it's a shame for the people who are trying to steal money! XXXX, XXXX, and Google Pay are so bad that they can't be trusted anymore! thank you. With all due respect, 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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
I purchased a money order but the company I sent it to returned it because it was an overpayment. I tried to deposit the check into my account, and it was returned to me stamped " Refer to MakeXXXX ''. When I contacted Western Union, they said they would send me information, but never. My bank, XXXX XXXX, says there is nothing they can do. Now I have a {$89.00} money order that I can not get back for and no one to help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I was reviewing my credit report and noticed fraudulent accounts, which is affecting my ability to obtain credit. And violates the FAIR CREDIT ACT.I would like this to be removed so I can obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 reviewing my credit report and noticed fraudulent accounts, which is affecting my ability to obtain credit. And violates the FAIR CREDIT ACT.I would like this to be removed so I can obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
In XXXX of XXXX, I put my house for sale at XXXX XXXX XXXX, XXXX Ca XXXX. I was working with a Loan Officer and Realtor who tried to qualify me for a new loan for another property. My credit was pulled and I was told that I had XXXX mortgage lates which is very inaccurate. I went into a modification with XXXX XXXX and this was done in XX/XX/XXXX due to my divorce proceeding as I struggled for only 30 days of the payment. I contacted XXXX XXXX so that I can get help and they did help with a modification to put the 1 month on the back end of the loan. In turn, I paid the modification off in a 3 month period, being around XXXX and XX/XX/XXXX. I decided to sell the house in XX/XX/XXXX in which I stated earlier that my credit was pulled. I was told about XXXX mortgage lates that never happened andf I also had a dismissed modification that I'd paid off sooner than they'd expcted at XXXX. My loan officer and I spoke to several people at XXXX to try and get this fixed. I sold my home in XXXX and tried calling them over and over again so that I can rent or buy another home and they were stating that they now couldn't help me becuase my loan had been sold to a servicer called XXXX XXXX who I would have to try and call to get this fixed. I was given the run around. It is now XX/XX/XXXX, and I am still unable to ge tthem to help me out. I was told by other borrowers and Loan Officers that XXXX is known for this and they have left me in a situation that I am now homeless as no other bank will lend me to buy. I ahve attached some of the paperwork associated with this tansactiona nd these problems, and am wondering if you can please help me to expedite this situation with them. When I still had access to my mortgage account online, I pulled a mortgage history of my payments with XXXX and it shows no lates. I ahve attached these documents

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 2025-05-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Against Experian Regarding Repeated Charge-Off Reporting on UPSTART NETW Account and Failure to Provide 1099-C Dear Consumer Financial Protection Bureau , I am filing a formal complaint against Experian regarding the inaccurate and potentially unlawful reporting of my XXXX XXXX unsecured loan account # XXXX. 

Nature of the Complaint : While shopping for a vehicle, I reviewed my credit report and discovered that this XXXX  XXXX  account is reported as charged off for XXXX consecutive XXXX XX/XX/XXXX through XX/XX/XXXX ( XXXX ). 

This repeated monthly reporting of a charge-off is misleading and appears to double-report the derogatory status of the account. A charge-off is a single accounting event, not something that should be shown as occurring over multiple months. This inaccurate reporting creates a false impression of multiple charge-offs and unfairly harms my credit profile.

Additionally, I have not received a 1099-C form, which would be required by the IRS if the debt had been forgiven or canceled. The lack of this form raises concerns a
bout whether the account was truly discharged and whether Experians reporting complies with applicable laws.

Legal Concerns : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), Experian is required to ensure the maximum possible accuracy of the information it provides in consumer reports.

Repeatedly reporting a charge-off over multiple months misrepresents the status of the account and may mislead lenders.

If the debt was canceled, a 1099-C must be issued. Failure to do so could constitute noncompliance with IRS regulations and consumer protection requirements.

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 2025-05-20 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: TX

Complaint narrative:
My account with XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX AND XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-05-20 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:
My account with XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX AND XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am disputing a negative account reporting on my Experian credit file by XXXX XXXX XXXX. 
On XX/XX/year>, I submitted a formal dispute and requested verification of the debt under FCRA 609 ( a ) ( 1 ).

I asked for the original signed agreement, ownership assignment, and payment history. No documentation was provided.

Under FCRA 611, this unverifiable account must be permanently deleted. 
I request CFPB enforcement to ensure its removal.

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 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Account XXXX XXXX  wireless # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If nit please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: KY

Complaint narrative:
This debt is being reported inaccurately and misleadingly by XXXX XXXX XXXX The original creditor was XXXX XXXX XXXX, and the debt dates back to XX/XX/XXXX. It was previously reported by XXXX XXXX XXXX, and I have documentation from my XXXX credit report reflecting this. 

XXXX is now reporting this debt as if they are the original creditor and have listed the opened date as XX/XX/XXXX, which is incorrect and resets the reporting timeline in violation of the Fair Credit Reporting Act ( FCRA ). This debt is not new, has not been revalidated through proper notification, and has already been disputed once when it was with the previous collection agency. 

This is a case of re-aged debt and misrepresentation of original creditor status. I am requesting that this inaccurate tradeline be removed from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
I sent a dispute letter and a copy of my current drivers license as well as a copy of proof of my current address on XX/XX/XXXXXXXX  via certified mail. To which I never got a response back then I followed up with a second letter sent XX/XX/XXXX I have also promptly sent a third and final letter asking for corrections which will be included / attached along with a email I got as a stall tactic

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 2025-05-20 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:
The CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer file within 4 business days receiving said complaint. As a result of Identity Theft the following fraudulent collections are now appearing on my consumer FICO credit Report. I have attached a list of the fraudulent accounts that I do not recognize. The mentioned collection accounts appearing on my consumer credit report are maintained by your company and were not opened, made, or initiated by me. All accounts listed are a result of Identity Theft and Fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the mentioned collection accounts are a result of Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
The CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer file within 4 business days receiving said complaint. As a result of Identity Theft the following fraudulent collections are now appearing on my consumer FICO credit Report. I have attached a list of the fraudulent accounts that I do not recognize. The mentioned collection accounts appearing on my consumer credit report are maintained by your company and were not opened, made, or initiated by me. All accounts listed are a result of Identity Theft and Fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the mentioned collection accounts are a 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 2025-05-20 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: Professional Recovery Management
State: MS

Complaint narrative:
Dear Sir or Madam, I am writing to inform you that I am a victim of identity theft. Enclosed is a copy of my Identity Theft Report from the Federal Trade Commission ( FTC ), dated [ insert date ]. I have identified fraudulent information on my credit report regarding the following account : Creditor Name : Fox Collection center Account Number : XXXX XXXXXXXXXX I want to make clear that I never signed any contract or authorized this debt. This account is the result of identity theft and is not mine. Pursuant to Section XXXX of the Fair Credit Reporting Act ( FCRA ), I request that you block and deleteXXXX XXXX XXXX XXXX inaccurate information knowingly XXXX XXXX. XXXX ( Section XXXX ) Failure to block fraudulent information upon receipt of proper documentation XXXX XXXX. XXXX Obtaining or using my credit report without a permissible purpose Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXXXXXX False or misleading representations XXXX XXXX. XXXX Failure to properly validate debt XXXX XXXX. XXXX ( c ) Ignoring a cease-and-desist request XXXX XXXX. XXXX Harassing or abusive conduct information related to this fraudulent account from my credit file within the required timeframe of XXXX business days. 


I want the CFPB to publish this description on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$5600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$7400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$37000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$6700.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief