vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX added fraudulent charges and late payment fees to the XXXX XXXX account after it was closed. The XXXX XXXX XXXX account from XXXX was closed, paid in full and has a XXXX balance. The payment was never late. See attached the letter from XXXX and my Identity Theft Report. Please delete and block this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX added fraudulent charges and late payment fees to the XXXX XXXX account after it was closed. The XXXX XXXX XXXX account from XXXX was closed, paid in full and has a XXXX balance. The payment was never late. See attached the letter from XXXX and my Identity Theft Report. Please delete and block this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have beer detrimental to my life and credit health. 
The following accounts are open fraudulent and do not belong to me XXXX XXXX reporting 8 missed payments XXXX XXXX reporting 6 missed payments XXXX XXXX reporting 6 missed payments XXXX XXXX reporting 5 missed payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have beer detrimental to my life and credit health. 
The following accounts are open fraudulent and do not belong to me XXXX XXXX reporting 8 missed payments XXXX XXXX reporting 6 missed payments XXXX XXXX reporting 6 missed payments XXXX XXXX reporting 5 missed payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I keep getting charged fraudulently by XXXX XXXX  on my credit card. I have disputed the charges, yet Fifth Third keeps allowing the company to process the charges as if this is a recurring fee when it is not. XXXX is charging me for fees I do not owe. I stopped renting from XXXX in XXXX of XXXX because of unexplained charges. I have asked Fifth Third to request XXXX provide a contract with my signature, indicating I agree to these charges. In XXXX, I blocked the credit card to prevent any more transactions from being processed. I received a new card in the mail but never activated it. However, I have received more charges on the new card that was never activated, the same exact charges that appeared on the last card. I contacted Fifth Third to file a dispute in XX/XX/XXXX and again in XX/XX/XXXX for the same charges. The charges include {$670.00} and {$100.00} on XX/XX/XXXX, then {$130.00} and {$30.00} on XX/XX/XXXX, {$670.00}, and {$100.00} on XX/XX/XXXX, followed by {$130.00} and {$30.00} on XX/XX/XXXX. All these charges have been made to my previous card and posted, and now they have been recharged to my new card. This is causing a lot of stress and damaging my credit. I am over my credit limit because of this, and Fifth Third Bank is allowing this by not conducting a proper investigation. I am the client. I have asked for this to stop, and it is still happening. I purposely did not activate my new cards to prevent this from happening. I filed a complaint in XXXX of this year on XXXX XXXX with the Attorney General 's office, and I am waiting on the investigation to be completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MO

Complaint narrative:
My teenage son works at a XXXX XXXX location. They use a payroll card issued by SkylightOne to pay their employees. To transfer money from the payroll card to a savings account at a local bank, my son has to call SkylightOne to obtain an approval and authorization number for a specific amount of money and then complete a check for that amount of money. My son did all those things on XX/XX/year>. The check was for {$3200.00}. The check was presented at a XXXX XXXX  XXXX in XXXX XXXX, MO on XX/XX/year> to be deposited into his savings account. On XX/XX/year> the check was returned because the issuing bank flagged it as being fraudulent/fictitious. On the check itself, my son did make a small error on the cents. He originally wrote {$3200.00} in the amount box. He marked through the XXXX and wrote a XXXX to the right of it. On XX/XX/year>, my son contacted SkylightOne to inquire about the returned check process. He was told it could take XXXX - XXXX business days for the money to be returned to his SkylightOne account. On XX/XX/year>, my son contacted SkylightOne again to ask why the money had not yet been returned to his account. At that time, the customer service rep for SkylightOne suggested he place a stop payment on the check, to which he agreed. On XX/XX/XXXX, both myself and my son contacted SkylightOne customer service multiple times ( over 5 times ) to inquire about the situation. We both spoke to multiple customer service reps who told us they were unable to place a stop payment on the check because it was cashed on XX/XX/year>. We repeatedly asked the customer service rep to tell us where the check was cashed, to which they would not provide. Further, we repeatedly asked to be transferred to a supervisor to discuss the situation. On XXXX separate occasions, we were either disconnected, rerouted back to the main menu to start the process all over again, or remained on hold for over an hour waiting for a supervisor to be rerouted back to the main menu ( this happened XXXX separate times ). On XX/XX/XXXX alone, we spent over XXXX hours on the phone with SkylightOne customer service with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
Experian, Equifax and Transunion has allowed XXXX XXXX XXXX ( XXXX ) to report and damage my credit file by reporting a XXXX collection account. XXXX has no right or ownership to report this collection account. XXXX has violated 15 USC 1681 and so have the credit bureaus at this point. I will be filing a lawsuit against all parties involved. PRA responded to the CFPB on XX/XX/year> the company would cease all communications and they wouldn't collect or harass because they are not the owner and they could verify proof of account. But XXXX has been harassing constant about this account. I asked this company to provide signed application and signed transactions receipts and they fail to verify proof of account. I will and ai repeat I will sue every company that's involved. XXXX has violated the FDCPA by Deceptive Debt Collection practices, attempting to collect on dents unsubstantiated without sufficient proof verification, misrepresenting the validity of the debt and harassing which is causing emotional stress. I am a XXXX veteran dealing with mental illness and that will be included in the lawsuit as well all parties involved will have a part in it. Each credit bureau is responsible also you all know this company for its unfair practices and crafty work. I attached a letter from this company stating it's not an attempt to collect a debt but just informational. XXXX know they have no rights and can't collect or provide valid proof of this account. Please remove this collection account and block this company permanently from putting this collection account on my credit profile. I will be driving to XXXX, TN where one of the XXXX locations are ans filing a lawsuit with the courts. XXXX will not treat me or handle me like that want and that's a promise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and several accounts and inquiries listed on my credit file were neither authorized by me nor applied for by me. These items are incorrect and do not pertain to my credit history.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you promptly block and remove these unauthorized accounts and inquiries. Enclosed, you will find a list of the disputed entries, along with a copy of my Identity Theft Report filed with the Federal Trade Commission.

I kindly ask that you take immediate action to investigate and remove these inaccuracies from my credit report. Please send me written confirmation once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IA

Complaint narrative:
I never did business ever in my life with this companies in question XXXX XXXX XXXX, during this time I was formally incarcerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
The late payment entries for XXXX ( Account Number : XXXX ) dated XX/XX/XXXX, with a reported balance of {$230.00}, and XXXX  XXXX ( Account Number : XXXX ) dated XX/XX/XXXX, which reports a past due balance of {$0.00}, have been reported inaccurately across all three bureaus : XXXX, XXXX, and Equifax. These late payment entries do not reflect my true payment history and are a result of data mismanagement. The incorrect reporting of these payments is a violation of 15 U.S.C. 1666b, which mandates that creditors and reporting agencies provide accurate payment histories. These errors are likely due to a data breach, as there is no substantiated reason for these entries to be reported. Such inaccuracies damage my credit score and jeopardize my ability to secure reasonable credit in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-05-08 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: CA

Complaint narrative:
TransUnion is reporting an unauthorized inquiry from XXXX on XX/XX/scrub> 2023. This inquiry was not authorized and should not have been included in my credit file. This type of unauthorized inquiry directly impacts my credit score and violates my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. CXXXX XXXX  ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX account is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the XXXX credit bureaus, but they keep saying the information comes back as verified. How can the information be verified if all XXXX credit bureaus are reporting different information? The following is everything that is reporting differently across the credit bureaus : Date Opened is reporting differently across the credit bureaus. Last Reported is reporting differently across the credit bureaus. Date Last Active is reporting different across the credit bureaus. Date of Last Payment is reporting different across the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal is holding {$160.00} in my account XXXX  giving excuses about issues with withdrawing it. I already waited over half a year. Then I received an email XXXX withdraw it. It didn't work. Now they are running me in circles XXXX now helping me XXXX move my money out. This is theft XXXX scamming at the highest level. It is wrong XXXX I want my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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