vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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 am disputing inaccurate and unauthorized information on my credit report, including a fraudulent medical collection account reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and multiple unauthorized inquiries. The medical collection violates federal law, including the No Surprises Act, which prohibits reporting certain medical debts. Despite prior disputes, the account remains derogatory and unresolved. Additionally, the following inquiries were conducted without my authorization, violating FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries have caused undue harm to my credit profile and must be rectified immediately.

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 2025-01-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Ive been dealing with multiple inquiries from your company on my credit report that I did not authorize.

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Your Name\ Your Address\ City, State, ZIP Code\ Date [ Credit Reporting Agency Name ] \ [ Agency Address ] \ [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information Under 15 U.S. Code 1681i ( 7 ) Dear XXXX I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 7 ). I have identified the following inaccurate item ( s ) on my credit report : - ** [ Creditor Name or Account Name ] ** : LVNV FUNDING LLC Account number : XXXX AMOUNT \ {$810.00} This information is inaccurate or incomplete for the following reasons : [ The account was is not mines and was reported in a XXXX XXXX breach I have also filed a report with FTC as well as XXXX to get it removed from my credit report Enclosed with this letter are copies of supporting documents that substantiate my claim, including : XXXX. Dispute letter to XXXX XXXX. Data breach proof Under 15 U.S. Code 1681i ( 7 ), I respectfully request that you : XXXX. Investigate and verify the accuracy of the disputed information. 
XXXX. Provide me with a written summary of the investigation process and results. 
XXXX. Remove or correct the inaccurate information if it can not be verified. 

Please acknowledge receipt of this dispute letter in writing. I understand you are required to complete your investigation within 30 days of receipt of this dispute. 

Thank you for your prompt attention to this matter. If you require further information or documentation, you can contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : [ List of attached documents, e.g., " Copy of credit report highlighting disputed item '' ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to open two savings accounts and a credit card account with U.S. Bank. I provided my state-issued drivers license as identification. Despite this, U.S. Banks XXXX XXXX Department refused to accept the address on my drivers license or the address for a virtual office leased by my company, both of which should be acceptable under 31 CFR 103.121 ( Customer Identification Program requirements ). 

Since XX/XX/XXXX, I have repeatedly contacted XXXX XXXX, requesting that they accept either of these addresses to complete my applications. Both addresses comply with federal regulations allowing residential or XXXX XXXX addresses for account opening purposes. 

On XX/XX/XXXX, I visited the U.S. Bank branch at XXXX XXXX XXXX, XXXXXX/XX/XXXX with my drivers license and a copy of my virtual office lease in hand, hoping to resolve the issue. Despite presenting these documents, XXXX XXXX again refused to accept either address, offering no further explanation. 

While at the branch, I, along with the branch XXXX and an employee, spoke directly with the XXXX XXXX Department. They were unhelpful, refused to provide clarity, and maintained that neither address was acceptable. This behavior caused further inconvenience, wasted time, and left the applications unresolved. 

My Concerns : - Why are valid, government-issued addressesclearly compliant with 31 CFR 103.121being deemed unacceptable by U.S. Bank? 
- Is U.S. Bank imposing stricter-than-required internal policies inconsistently or arbitrarily? - Why does U.S. Bank fail to provide transparency or meaningful assistance to resolve such issues?

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 2025-01-10 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: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. To support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 

This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: Possible Financial Inc
State: TX

Complaint narrative:
POSSIBLE FINANCIAL is reporting information that I have no knowledge of. Account XXXX XXXX Opened XX/XX/year> {$120.00} This account was opened fraudulently and I did not authorize the account to be opened. I have contacted the company for validation of debt and the number listed on their website is unreachable

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
There were letters sent out prior asking for items that was inaccurate to be moved off credit profile. Asking that any updated information after investigation to be sent via mail. Ask if I could get copy of credit report after investigation.

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 2025-01-10 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:
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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to 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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is holding a check that can not be verified by a business phone number by the issuer of the check, the other bank has already cleared the check and the funds were dispersed but will not be released by Chase and subsequently my account has been restricted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally Financial has reported, without my written consent, transaction history to my personal consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Duvera Billing Services, LLC
State: IL

Complaint narrative:
I am writing to formally request the removal of recent credit inquiries made by these companies as I did not authorize these actions. I understand that credit inquiries can impact my credit score, and I would appreciate it if you could investigate this matter and ensure that the inquiries are removed from my credit report. Down below Ive also did an ftc report. 

Please confirm receipt of this request and provide a resolution at your earliest convenience. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I called the company and the representative was advised that I am not the account holder and he is deceased since XXXX so why are they reporting to my credit report the representative said to me on XX/XX/XXXX that since I was an authorized user I can just apply to have a card myself I told the representative to remove this from my report because it is illegal and fraudulent and violates code 15 USC 1681B ( 2 ) and I would pursue suing the company because I did not apply for this account nor am I a primary user of the account. The representative hung up in my face

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 2025-01-10 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Federal Suit XXXX XXXX FOR PRELIMINARY INJUNCTION AND TEMPORARY RESTRAINING ORDER pursuant to the Notice to Occupant of Pending Acquisition ( NOPA ) issued under HUD/FHA XXXX XXXX XXXX 

XXXX XXXX XXXX was issued based on fraudulent and unlawful practices by Defendants, including : Violations of HUD Federal Mortgage Servicing Rules, including failure to comply with required loss mitigation procedures. 

Deceptive practices and unlawful foreclosure actions, as documented in Plaintiffs FBI report. 

These actions violate Plaintiffs rights as a borrower under HUD/FHA guidelines and federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Complaint Against PayPal for Holding Account Without Explanation I created my PayPal account to receive funds for personal use. On XX/XX/XXXX of XXXX, PayPal placed a hold on my account, stating it was due to risk. When I contacted their customer service, I asked for an explanation of what specific risk they identified or what actions I could take to resolve the issue. However, I was informed that they could not provide further details. 

This lack of transparency has left me unable to access my funds, totaling {$26.00}, which were deposited on XX/XX/year> as I have created the account only on XX/XX/year> and was fully verified on XX/XX/year>. I have complied with all XXXX requirements, including verifying my identity and account details, yet the hold remains without justification. 

These are the actions I have taken : On XX/XX/year>, I called XXXX customer service and requested an explanation and resolution. On the same day around XXXX in the morning, they asked for proofs from the transactions pending and upon submitting, XXXX minutes later they have deactivated my account features. 
I followed up via email/chat on XX/XX/year> to ask for documentation of their decision. 
I reviewed their policies but found no valid reason for this hold based on my account history. Only the thing where they can hold my money for XXXX  days but they never let me know the reason why. 

Actions Taken by PayPal : PayPal has not provided a clear explanation for the risk assessment. 
They continue to hold my funds without offering steps for resolution or a timeline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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. 


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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation