vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-07 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: GA

Complaint narrative:
These negative items does not meet the FCA reporting requirements. I do not recognize how and why this is reported. 
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer Reports. Delete Immediately! Pursuant to Consumer Law 15 usc 1681B ( a ) ( 2 ), Reports must be in accordance with Consumer!

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My phone was stolen from my vehicle in a parking lot when I went to lunch. The thief used my cash app to transfer funds of XXXX to someone with the tag $ XXXX. I have filed a dispute with cash app and my XXXX XXXX. I made a police report. I do not know the recipient of the XXXX. But, cash app has the information showing several transaction attempt to the same tag of XXXX XXXXXXXX but only XXXX went through and that was for XXXX. I did NOT make this payment. The thief did. Cash app is not responding to my calls with information about the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: VA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-08 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: MO

Complaint narrative:
I came across the cfpb experian lawsuit. 

I was negatively impacted, by the TransUnionXXXX XXXX XXXX chances at credit after receiving a response to my early disputes that the accounts were " verified ''. But I don't see any details about your investigation. 

Do you want to be fined too Come with the receipts, or be quick to delete. 

Thanks and send me the new report with the corrections.

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 2025-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
I have tried numerous times to have this removed from credit reports. Filed multiple identity theft cases. They remove it only to reinstate it from my credit reports. Credit bureau remove it but they refile it on my reports after I do weeks of work to get it removed. XXXX will not drop case for a cell phone service opened in XXXX XXXX when I live in XXXX It hurts my ability to borrow money and my interest rates. This causes me a financial hardship when we all have enough without Identity Theft. All my personal information was leaked by XXXX multiple times over last XXXX  years and its a pain. Every company except for XXXX clears up the issue with a phone call. The his should be a crime to affect people credit. They try to strong arm you into paying something that is not yours. They sell off the debt to some XXXX that proceed to cause you problems you dont need. I asked to see where they verified the identity of person or see signature on documents but they will provide nothing account documents nothing but want me to provide them information. I did it was to prove they made a mistake and it was identity theft. They used my information to update their files. So I will not provide them anymore. They did not have anything but my name and address correct in the beginning. So trying to do right I provided date of birth which they had wrong phone number which they had wrong. Only to give them the ability to harass me more. They can XXXX it. I will never pay for someone elses crime. XXXX XXXX even provide cell coverage where I live. You have to have XXXX. This just sucks XXXX tired of this. Here is account number they provided 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX - XXXX - {$680.00} XXXX - XXXX - {$1900.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to 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 non-monetary relief
Consumer complaint received 2025-02-08 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: MD

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: DE

Complaint narrative:
I just reviewed my credit report and was dismayed to find an unauthorized inquiry that should not be there. I check my report routinely, and this unexpected issue has left me completely frustrated. I even refreshed my browser, hoping it would disappear, but it did not. This needs to be addressed immediately. Please verify the documents Ive provided so that I wont have to worry about this any longer.

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 2025-02-07 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.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-07 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Credit Card had a CREDIT BALANCE was removed from balance but did NOT refund it to me this is NOT acceptable in 2025...

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 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
This is a formal dispute of the accuracy and completeness of the above account ( s ). I am requesting an investigation and validation of each account mentioned above. Please validate the accuracy of the information reported by the aforementioned creditor ( s ) and provide me with any documentation connected with the account ( s ) that bear my wet signature, If such documentation does not exist, bearing my wet signature within the 30 day-period you are allowed, I request that the account ( s ) and all of its negative information be deleted from my credit report immediately in accordance with Fair Credit Reporting Act 611 ( a ) ( 5 ) ( A ) ( i ) which states inaccurate, unverifiable information must be deleted immediately. Automated and public information searches like XXXX and XXXX for methods of verification is NOT permissible and you do NOT have my permission for such verification. Provide the requested documentation and method you use to verify or delete immediately. Failure to respond may result in compensatory damages for every violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: PA

Complaint narrative:
The company violated the federal law by having fake 1-800 numbers when the whole time they had no operator to help their customers. Majority gave their socials and personal information to possible hackers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
You were previously notified to remove the account XXXX XXXX XXXX from my credit report due to inaccurate reporting. I have attached documentation from the company confirming that this account was to be removed from my credit report in XX/XX/2024. I am demanding that this account be removed from my credit report within four ( 4 ) days. Failure to comply will result in escalation to the Attorney General and potential litigation, as this matter involves inaccurate reporting, including the re-aging of the " date last active, '' and continued reporting of an account that the company has confirmed should have been removed. Supporting documents are attached for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I disputed an inaccurate account with Spring Oaks Capital ( Account Number : XXXX and XXXX ) on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ) Section 611, they were required to provide verification of the debt within 30 days ( by XX/XX/year> ). 

As of today, they have not responded, making this account unverifiable and inaccurate. Their failure to validate the debt means it should not be reported on my credit file. 

Despite their lack of response, the account remains on my credit reports with XXXX and XXXX, which violates my consumer rights under federal law. 

I am requesting the immediate removal of this account from my credit reports and that Spring Oaks Capital provide written confirmation of its deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXXXXXX  and XX/XX/year> synchrony bank debited my bank account without authorization. I did not setup automatic payments or authorize them to do this, they have not told me how this was done, I am unable to even access the account they debited this for as my deceased mother was the primary cardholder.

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 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was exposed and I was productive of data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance reported to the 3 credit bureaus that I owe {$8900.00}. I did not receive a letter, or any documentation stating that this vehicle was sold at auction. So I have no proof of owing credit acceptance {$8900.00}. I have no proof that this vehicle was actually sold at an auction.

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 2025-02-07 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent a letter to midland credit management ( original creditor is XXXX XXXX  ) I sent a letter asking them for a debt validation letter showing that they are the original creditor. The original contract with my signature for there company, they have the right to collect this debt. They will not send me this information. They sent me a letter with my balance. If they can not send me the original contract that I signed with there company Midland credit management then this debt need to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 USC Code 1681eb. 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 to be removed/updated. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: UT

Complaint narrative:
CFPB Note, please correct my phone number from the one you may have on file to this one : XXXX ( XXXX ) XXXX I am filing this complaint against PayPal regarding a fraudulent transaction on my account that was incorrectly handled. This was reported on XX/XX/year>. My PayPal card was lost, and unauthorized charges were made before I could report it. When I contacted PayPal to dispute the charge of {$400.00}, the agent assisting me filed the dispute under the wrong category, labeling it as a " canceled service '' instead of an " unauthorized transaction. 

When I initially reported my card as stolen over the phone, the PayPal agent who assisted me created a ticket in their system ( XXXX XXXX XXXX However, they incorrectly categorized me as someone who had made an online purchase, which caused confusion in the dispute process. As a result, PayPal denied my claim, believing that the transaction was normal and authorized rather than fraudulent. 

As a result, PayPal closed the case in the sellers favor without properly reviewing the fraud claim. Despite my repeated attempts to correct this, I was met with unnecessary delays and misinformation. I eventually had to escalate the matter and insist that PayPal file an appeal to reclassify the dispute under the correct category.

I am requesting that PayPal properly investigate this case as an unauthorized transaction and issue a refund. Additionally, I would like clarification on why the case was closed in the sellers favor initially, despite clear indications of fraud. There have been no updates and my case remains closed.

Here is the overview of my attached conversation from XX/XX/year> at XXXX XXXX. Find the audio file attached to this request : Overview XXXX XXXX contacted PayPal to report unauthorized transactions on his account after his card was stolen. Initially, a case was filed, but it was closed incorrectly, labeling the transactions as " canceled service. '' XXXX disputed a {$400.00} charge and was referred to an accounts specialist, XXXX. XXXX reviewed the case, confirmed the transactions were unauthorized, and filed an appeal to reopen the case. She changed the dispute reason from " canceled service '' to " authorized transaction. '' XXXX assured XXXX that he would receive timely updates and potential temporary credit while the investigation progressed.

Company response to consumer: Closed with explanation