vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX had my account as opened since XXXX and now they want to change the account status as closed since XX/XX/XXXX after I made the payments consistently for those 3 months after I asked XXXX XXXXXXXX  to grant me a good will letter due to me trying to fix my credit to get a home, and this happens the day after?? Very sketchy they reported my account as late so many times when the account was suppose to be closed and now they decide to put it as closed when I started having a XXXX month back to back on time payment history trying to clear that closed account! Thats XXXX illegal and a shame they committed something like that! They playing with my life!!! As a retired veteran this is a back stab from a military based bank!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-03-12 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a hard inquiry from XXXX XXXX. I also received a XXXX credit card in the mail. I did not apple for this. On XX/XX/XXXX, I called XXXX XXXX to report the fraudulent activity. They closed the account and began an investigation. On my hard inquiry equifax report I noticed another one for a personal loan from XXXX from XX/XX/XXXX. I did not apply for this personal loan and do not recognized this institution. I would like to report this as fraudulent activity unauthorized by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: EQUIFAX, INC.
State: SC

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 non-monetary relief
Consumer complaint received 2025-03-12 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: WA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MOHELA
State: PA

Complaint narrative:
My private information was illegally accessed by the new DOGE team, which put exposure to my private information thst include my student loan information, my name, social security number, address, and HIPAA information. 

I have not given permission to the above listed company ( DOGE ) to access this information. 

XXXX XXXX, XXXX, XXXX, XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
The company does not have a customer service number you can directly speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: VA

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 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 2025-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have asked a few times to remove this debt. Your company is saying that they have no record, yet this is the only debt collection company with this name in XXXX GA. I did not reside at these apartments, and if this isn't removed legal action will be taken with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a 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 explanation
Consumer complaint received 2025-03-12 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Several hard inquiries that are old and that I have never signed up for please remove these hard inquiries on my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: NV

Complaint narrative:
More than XXXX years ago, my accounts were closed by First Progress / Synovus bank, and this closure was confirmed multiple times by the original creditor. I was also explicitly informed that no outstanding balance remained on either account, a statement that was recorded during a call. 

XXXX years later I began receiving multiple emails from XXXX XXXX regarding a debt I did not recognize. Believing these emails to be spam, I initially ignored them. However, upon reviewing my credit report, I discovered derogatory marks from the collection agency XXXX XXXX. When I contacted XXXX XXXX for clarification, I was advised not to dispute the debt and was instead pressured to make a payment, despite the debt being inaccurately reported. This conversation is also documented in a recording. 

I should not be held liable for a debt that was previously confirmed as settled, and the erroneous reporting has significantly impacted my credit. I am seeking immediate resolution to have this matter rectified and the negative marks removed from my credit report. 






.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: NV

Complaint narrative:
Original Creditor - XXXX XXXX XXXX Closed in XXXX Debt paid to - XXXX XXXX XXXX ( Acting on behalf of XXXX XXXX XXXX XXXX XXXX ) New contact - Credit Management Company ( Stated the debt was purchased from XXXX XXXX XXXX XXXXXXXX ) Received notice on my credit report that an amount of {$430.00} was owed for a visit to a doctor, date of service unknown. Settlement of {$150.00} was offered, accepted and paid on XX/XX/XXXX. Can provide payment receipt if needed. Payment made to XXXX XXXX XXXX ( Acting on behalf of XXXX XXXX XXXXXXXX XXXX ) On XX/XX/XXXX ( Today ) I received a notice from a different agency claiming they purchased a debt in the amount of {$1100.00} from the same agency that owned the previous stated debt, with the same original creditor. New creditor is Credit Management Company ( Stated the debt was purchased from XXXX XXXX XXXX XXXX ) Date of service being CLAIMED was XX/XX/XXXX in Texas. 

All records I can find indicate that the original creditor went bankrupt in XXXX and permanently closed down in XXXX. Unable to find any contact information for the original creditor to verify. 

The information given to me when I called the agency was not clear and kept changing slightly when I was speaking to the collection agency. 

Agency became very rude and kept repeating my personal information over and over again in what seemed like an intimidation tactic when I stated I wanted to dispute the claim, which the email notice said I could do over the phone. 

Agency also claimed they would pursue the claim further if I disputed and did not provide them proof that I did not accrue this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received an insurance settlement check. I deposited a check on XX/XX/XXXX for {$18000.00} in the ATM machine at the Bank of America located at XXXX XXXX XXXX XXXX XXXX, Fl XXXX. The next day the bank showed the check deposited than immediately deducted that amount from the account with NO explanation as to why the deposit was withdrawn. I tried calling the XXXX  XXXX number but I was on hold for over an hour before giving up. So, I went to the bank and they said the check needed to be deposited inside the bank, not at the ATM because of the amount. I asked her why they would not call to let us know there was something wrong. I asked them where the check was and they said it was going to be mailed to me. It is now XX/XX/XXXX and we have still not received the check. I went to the bank again on yesterday to ask where the check is since we still do not have it. The representative at bank said they do not know where the check is and only said that we should have had it by now. They told me today that they still do not know where the check is and maybe I should have the party that wrote the check send a new one. This is now causing me to pay bills late and put items on my credit card because of their incompetence. How is this ok in the banking world? The check should have been returned to me immediately, not " lost in the mail '' somewhere.

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 monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I have a PayPal account that I use for my LLC. I never withdraw money from this account and only uses it sparingly to make a purchase from time to time. On XX/XX/XXXX someone accessed my account and made small purchases ranging from $ XXXX {$100.00} totally XXXX purchases to purchase and transfer crypto until my account was empty. This all took place in a matter of less than XXXX minutes. XXXX small transaction in a matter of less than XXXX minutes accord to PayPal is not suspicious and as they put it and " consistent with your PayPal history. '' When I accessed my account on XX/XX/XXXX I noticed my account was empty and instantly went into panic mode. I contacted PayPal to report fraud. The transactions came from an email I didn't know and someone had accessed my account to change the phone number on my account. I was never notified by PayPal regarding these things when they happened. When I contacted PayPal they filed an appeal. I received an email back less than XXXX hours later stating " appeal denied. '' On the grounds of " consistent with your PayPal history. '' Clearly, this was not consistent with my history. When I called today, after it was denied, and file an appeal I was sent another email in less that XXXX minutes that is was also denied for the same reason. They are saying the IP addresses match. Of course the IP addresses match for the XXXX fraudulent purchase, the same person made them! I tried to acquire the IP address for all purchases, including the ones I know to be actual purchase I made, with no luck! PayPal has no intention of actually working with me to find a resolution. They continue to deny my appeal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-12 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 recently viewed a copy of my credit report and seeing that this account was fraudulent on my credit report, please remove this fraudulent account from my credit report. Thank you.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year> I sent a letter regarding inaccurate and unknown accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 ) XXXX XXXX XXXX. 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 2025-03-12 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for a balance transfer credit card with American Express and was approved. However, American Express mistakenly issued the card in my daughters name instead of mine, despite using my Social Security number and personal information for the application. I handed the envelope to my daughter, not knowing it was actually my card since it was in her name. 

Because of this error, I was never able to activate or use the card, let alone complete the balance transfer within the XXXX promotional period. When I contacted Amex to correct the mistake, I never received a card in my name. 

When I followed up again, I was told that the XXXX balance transfer window had expired by just XXXX day, and they refused to honor the offer, despite the fact that I never even had a fair opportunity to use it due to their mistake. 

I escalated the issue to a XXXX named XXXX, who was incredibly rude and dismissive. She refused to acknowledge that Amex had made a mistake, offered no real solutions, showed no empathy or willingness to help, and she refused to transfer me to someone else. Her unprofessional attitude made an already frustrating situation even worse. 

Since the balance transfer offer was the only reason I applied for this card, I had no choice but to cancel the account altogether. Now, I am concerned that this will negatively impact my credit score through no fault of my own. 

XXXX Requested : I am requesting that American Express remove any negative impact on my credit report due to the account cancellation and their issuing error. Additionally, if possible, I would still like Amex to honor the original balance transfer offer or provide a comparable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with non-monetary relief