vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: AL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-29 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: AL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-29 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX 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

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 2025-03-29 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX 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

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 2025-03-29 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: MS

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 non-monetary relief
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Charge Off XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Collection ( Original Creditor : XXXX XXXX ) XXXX {$97.00} Date Opened : XXXX/XXXX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Charge Off XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Collection ( Original Creditor : XXXX XXXX ) XXXX {$97.00} Date Opened : XXXX/XXXX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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:
Investigation closed based upon their remarks and false .. see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NY

Complaint narrative:
I am writing to file a formal complaint against XXXX  regarding a recent incident that occurred on XX/XX/year>, at approximately XXXX XXXX. On this date, XXXX XXXX XXXX made a payment of {$450.00} to my XXXX  account. I have proof of the transaction, including a picture of his screen showing the payment details. However, the following day, my XXXX  account was frozen without any prior notice or communication from XXXX. 
XXXX  then informed me that I owed {$450.00} because XXXX XXXX claimed he did not authorize the payment. Despite this, XXXX  never reached out to me to discuss the situation or ask for my side of the story before freezing my account and taking the funds from me. It appears that Venmo has sided with XXXX XXXX, who I believe may be involved in fraudulent activity, without conducting a proper investigation or providing me an opportunity to present evidence. 
I feel that I have been treated unfairly and discriminated against in this matter. I am requesting that my {$450.00} be refunded to my account, and I demand a formal apology from XXXX  for how this situation has been handled. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TN

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-03-29 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This debt was already taken care of by my ex, afterwards it was still on my credit. I called the company to remove it and they refused. Said I still owed the amount and wanted the money and nothing else. They also went so far as to suggest I pawn my car title or use all of my credit cards and more! it was very unprofessional, even if I did owe the amount no attempt was made to work anything out. No monthly payment plan, nothing. They also threatened legal action and suggested I get a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: MS

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 2025-03-29 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
The credit bureau 's are not deleting or investigating any of my credit reports. It has been over the 30 days and nothing has been deleted. I have asking for proof and my signature of these accounts with no prevail since XXXX of 2024. Starting with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud or incorrect balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
The credit bureau 's are not deleting or investigating any of my credit reports. It has been over the 30 days and nothing has been deleted. I have asking for proof and my signature of these accounts with no prevail since XXXX of XXXX. Starting with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Midland credit management. Fraud or incorrect balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chime Financial Inc
State: MD

Complaint narrative:
I have never borrowed any money. It was a secure card and every time I used it it was the funds I transferred on to the card from my paycheck. I always only spent the XXXX  I put on. Also I never paid any XXXXXXXX XXXX  fee and where did they come up with the amount of {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: LEXISNEXIS
State: SC

Complaint narrative:
Incorrect Credit reporting causing finanancial hardship. and emotional distress. due to the incorrect information that lexis nexis is sharing my insurance rates are higher, i am being denied for credit and now that i dont apply for credit my information is being sold by lexis nexis to its paying " clients ''. i have tried to dispute the information through XXXX, XXXX and XXXX. however they all have stated that they get the information from lexix nexis.i have requested for over a year now a copy of my report and any information they have of me. i made a complaint here of XX/XX/XXXX XXXX you closed it because they stated they sent me a report on XX/XX/XXXX XXXX again they have lied what they sent me was a form to request the report and a form to request to opt out which i have filled out three times prior.my homeowners insurance is almost XXXX a month. i have over 21 inquiries on my credit report that are fraudulent. i have XXXX  bank telling me on the phone that they will remove it and make it a soft inquiry. i told them no. i did not apply for credit and i want it removed immediately. which i submitted a report here as well on XXXX. as of XX/XX/year> i have not received a copy of any information this invasive private company has on me in their file. when i called the last rep stated it was approximately XXXX pages. i asked her to email it to me or fax it she stated she couldnt for security purposes.yet i have to give all my info everytime i call to this foreign company. my social, my address, my drivers lic number, my date of birth... they have everything and i dont even know who they are.you have to give up all this information just to ask about your report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Complaint Against SOUTHWEST CREDIT SYSTE for Unlawful Credit Reporting and Debt Collection Practices I am submitting this complaint against SOUTHWEST CREDIT SYSTE for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) due to improper debt collection and unlawful credit reporting practices. 

XXXX. Unlawful Credit Reporting ( Debt Parking ) SOUTHWEST CREDIT SYSTE reported an alleged debt to my credit file without a permissible purpose, in violation of Regulation F ( effective XX/XX/XXXX ) and FDCPA 1006.30 ( a ). 
This debt was added to my report without my knowledge or consent, resulting in financial harm. 

XXXX. Lack of Permissible Purpose ( FCRA Violation ) Under 15 U.S.C. 1681b ( 2 ), I never provided written authorization for SOUTHWEST CREDIT SYSTE to report or share my financial information. 
The company has no legal basis for disclosing my personal data to third parties. 

XXXX. Unauthorized Use of Personal Information & Potential Identity Theft SOUTHWEST CREDIT SYSTEs actions may constitute Aggravated Identity Theft ( 18 U.S.C. 1028A ) by knowingly using my personal information without lawful authority. 
Their unauthorized actions have caused financial harm and undue stress. 

XXXX. Failure to Respond to a Formal Dispute & Cease-and-Desist Request On XX/XX/XXXX, I sent SOUTHWEST CREDIT SYSTE a dispute and cease-and-desist request via certified mail regarding this alleged debt. 
They received my dispute notice on XX/XX/XXXX. 
To date, they have failed to respond, violating 15 U.S.C. 1692c ( c ), which prohibits further collection or communication after receiving a written request to cease. 

I request immediate corrective action, including the removal of the erroneous debt from my credit report and a formal response addressing these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account for {$4500.00} allegedly from Citibank N.A., scheduled to remain on my credit report until XX/XX/year>. I do not have any contract or agreement with XXXX XXXX XXXX, and I dispute the validity of this debt. 

I have formally requested validation of the debt under the Fair Debt Collection Practices Act ( 15 USC 1692g ). They have failed to provide documentation such as a signed original agreement, itemized statements, proof of purchase or assignment, and their legal right to collect or report this debt. 

Under the Fair Credit Reporting Act ( 15 USC 1681s-2 ), furnishers may not report information that is inaccurate or can not be verified. Reporting this debt without full validation is a violation. Additionally, under the Utah Statute of Frauds ( Utah Code 25-5-1 ), this type of alleged debt must be supported by a signed written agreement to be enforceablenone has been provided. 

XXXX XXXX XXXX has continued to report this item despite it being disputed. I believe this account is not legally verifiable, not contractually valid, and is causing serious and unlawful damage to my credit. 



Resolution Requested : I request that the CFPB require XXXX XXXX XXXX to either : XXXX. Provide full validation of the debt ( including original signed contract, itemized breakdown, and proof of ownership ), or XXXX. Immediately remove the account from all consumer credit reporting agencies and cease all collection efforts. 

This account must be removed if it can not be properly and legally validated. Thank you for your attention to this matter. 

Sincerely, 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 2025-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Recently paid off my car loan XXXX  months early. I made XXXX payments and the original term was XXXX  months extended XXXX times for a total of XXXX months. In total paid {$29000.00} to pay off the car with {$17000.00} paid in and {$12000.00} at the time of payoff The total interest scheduled to be paid over the entire loan paid regularly was {$14000.00} and i paid {$14000.00} in interest paying it off XXXX months early. This does not add up Why was I charged so much interest when i paid it off XXXX  months early. This is a simple interest, no prepayment penalty loan. This company is known to scam people and I should be refunded some money for paying it off early with the amount of interest paid, but they cant provide me with documentation of an itemized breakdown of the interest, only what intetlrest was paid in with no description of why or what its going to. Basically all their reviews are one star for predatory and fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief