vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am bringing this dispute to XXXX attention once again because this issue remains unresolved despite multiple previous disputes. My payment status and history CONTINUE to be MISREPORTED, and this ongoing inaccuracy is completely unacceptable. It is clear that Experian has failed to conduct a proper investigation and correct these errors, violating its legal obligations under the FCRA. Upon reviewing my credit report, I found that Experian is still falsely reporting my payment status as XXXX, was past due 30 days, which is completely inaccurate. BOTH XXXX AND XXXX HAVE CORRECTLY REPORTED MY ACCOUNT AS PAID OR PAYING AS AGREED, which reflects the ACTUAL STATUS of my account. However, Experian refuses to align its reporting with the truth, causing direct harm to my credit profile. Not only is the payment status incorrect, but there is also a clear INCONSISTENCY IN MY PAYMENT HISTORY. XXXX has accurately reported it, yet Experian continues to misreport it. This is a direct violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the highest level of accuracy in the information they report. I have already disputed this matter multiple times, and Experians continued failure to correct this error demonstrates a blatant disregard for its obligations under 15 U.S.C. 1681i, which mandates that credit bureaus must conduct a proper investigation and correct inaccuracies. At this point, the repeated failure to fix this issue appears to be a willful violation under 15 U.S.C. 1681n, making Experian liable for damages due to its continued negligence and refusal to comply with federal law. I am demanding that Experian immediately correct my payment status to reflect Paid or Paying as Agreed, just as XXXX and XXXX have already done. There is no justification for this continued misreporting, and I expect this to be corrected immediately without further delay. How much longer do Experian intend to make me go through this unnecessary hassle? I have exercised my rights under the FCRA, yet Experian continues to disregard clear and verified evidence proving this reporting is inaccurate. If Experian fails to properly address this issue, I will escalate this matter further and take additional legal action to enforce my rights. I expect a prompt resolution and written confirmation that this correction has 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 2025-02-20 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: CT

Complaint narrative:
XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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 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 XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX made a purchase to XXXX XXXX, for the amount of {$72.00} through PayPal establishment, in which I have yet to receive, I have reported this to PayPal, on XX/XX/year>,, and a representative explained to me that I had to wait for 5 days, to reach out to clothing company for a response..its well over the 5 days, so I went back to check the tracking afterwards, and it was a message in red texts stating that this order WILL NOT BE DELIVERED DUE TO THE UNPAID POSTAGE, to reach my address, i then called PayPal again, and I was told that I have to wait, even though its a clear cut case. To be closed, this PayPal company refused to give me a refund, I only decided to go with this company because of the buyer protections clause they offer, I did send this company a picture of the notification of no order being delivered, and they refuse to Refund me on this issue, I as a customer and buyer tried to solve on my own, my gratitude on any assistance you can intervene to help me, cause they refuse, thank you sincerely yours, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
During the period from XX/XX/XXXX, until XX/XX/year>, I had discontinued utilizing XXXX XXXX as a primary broker. I was unaware at the time however charges began without my knowledge fraudulently being drafted out of my checking and debit accounts which were previously linked to XXXX XXXX. I returned from XXXX in XXXX and realized thousands of dollars were drafted and utilize in transactions in XXXX XXXX without my authorization. 

The account was hacked & compromised from the evidence that I gathered showed users in XXXX XXXX and XXXX associated with the account. I asked XXXX XXXX to investigate the matter and they wanted me to submit a detailed description of what happened and I submitted my inquiry however XXXX XXXX didnt take necessary steps to resolve my complaint even after providing evidence of a hacked account, so I went to my bank USAA to dispute the charges from XXXX XXXX XXXX Fraudulent. 

Total charges are in debit purchases were XXXX And XXXX purchases of XXXX Totaling XXXX I filed the dispute and submitted supplementary documents to the bank and initially the bank responded with provisional credits applying them and then removing the provisional credits twice throughout the investigation, the bank also made the error of applying credits that werent due which made identifying the fraud on the account a challenge. 

The bank has refused to accept the transactions as fraudulent as XXXX XXXX submitted a statement of authorized charges, the problem is that the charges were not authorized by me and someone had fraudulently hacked into my account as previously mentioned. Evidence of other users on the XXXX website can be identified. 

XXXX XXXX has subsequently XXXX my account and no longer have a brokerage account with them. Because of the compromised account I have to submit personal information including a drivers license to reclaim my account which I refuse to do due to the security of my account being compromised. My checking balance has a negative balance and the bank is in process of damaging my credit history. 

The consumer should not be held liable for fraud and this complaint is for the existing fraud for unauthorized charges on my checking account with USAA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IN

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 2025-02-20 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: IN

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 explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: MT

Complaint narrative:
On XX/XX/XXXX I received a letter from debt recovery solutions working with XXXX XXXX XXXX to get {$2300.00} for debt collection. They gave me the option to dispute the debt by XX/XX/XXXX. I selected this is not my debt and I sent it back. On XX/XX/XXXX I received another letter from debt recovery solutions that said I had 30 days to contact the office while they had it on hold to move forward. It included random codes with charges amounting to {$2300.00}. They also included an address I had as a child and havent lived at for over 15 years. I called debt recovery solutions on XX/XX/XXXX and the gal said that it wasnt in their system and it was with XXXX XXXX XXXX. I know the debt is not mine as the date they are using is for a medical procedure that was covered in whole XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: LA

Complaint narrative:
My credit was pulled more than one time at this XXXX dealership in which they should have pulled only once!! I need these inquiries removed from all three credit bureaus Experian, Transunion, and Equifax.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: LA

Complaint narrative:
My credit was pulled more than one time at this XXXX dealership in which they should have pulled only once!! I need these inquiries removed from all three credit bureaus Experian, Transunion, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: EQUIFAX, INC.
State: LA

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received an email from Consumer Financial Protection Bureau stating, '' Synchrony Bank has responded to my complaint and they are still working on the dispute. '' It seems that each time I receive a notification informing of Synchrony 's response to CFPB, I receive a bill that has the same amount which started this dispute.

If they are still working on this dispute, why are they sending CFPB one letter and me different notifications? Aren't CFPB and I supposed to be getting the same updates? That would be, YES!

I have received phone calls from the representatives asking me about payments, then I have to explain to the representatives about the dispute, because they're not informed about the dispute. Does that seem like Synchrony is still working on the case? NO!

I have no problem paying my debts, but I do have a problem paying a debt that was {$3400.00} USD before and after I was supposed to be credited {$2500.00} USD in to separate credits from Synchrony Bank. After the {$1000.00} USD was credited, the bill was {$2400.00} USD ; I paid, XXXX, {$570.00} USD which brought the balance down to, XXXX, {$1900.00} USD which was in a span from XX/XX/year> - XX/XX/year>. Synchrony Bank had informed me that my account had been credited {$1500.00} USD on XX/XX/year>, but my balance was/is still {$1900.00} USD? 

Again, I WILL NOT PAY THIS BALANCE OR THE BILL UNTIL SYNCHRONY BANK REMOVE THE MISCALCULATED AMOUNT. I know this is not the right amount owed.

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 2025-02-20 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: TN

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
I previously disputed inaccurate information on my credit report under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information. Despite this, they failed to properly investigate and correct the errors.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified within 30 days, it must be promptly deleted from my credit report. The credit bureaus and data furnishers have failed to provide proper validation or remove the unverified information, despite multiple dispute attempts. 

I am filing this complaint because they are violating my consumer rights under the FCRA, and I request CFPB intervention to ensure compliance. If the disputed accounts can not be fully verified, they must be immediately deleted from my credit report as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
I previously disputed inaccurate information on my credit report under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information. Despite this, they failed to properly investigate and correct the errors.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified within 30 days, it must be promptly deleted from my credit report. The credit bureaus and data furnishers have failed to provide proper validation or remove the unverified information, despite multiple dispute attempts. 

I am filing this complaint because they are violating my consumer rights under the FCRA, and I request CFPB intervention to ensure compliance. If the disputed accounts can not be fully verified, they must be immediately deleted from my credit report as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX charged me {$XXXX} interest on a closed card that had the balance paid in full. They waited XXXX  days to charge me this interest and stated it was from XX/XX/XXXX when I paid the card of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 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 request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Repossession XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge Off XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1000.00} Charge Off XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1100.00} Charge Off XXXX ( Original XXXX XXXX BANK ) Account XXXX XXXX Date Opened XX/XX/XXXX Balance : {$620.00} Collection XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX BANXXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Balance : {$340.00} Collection XXXX XXXX XXXXS ( Original Creditor : XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$650.00} Collection XXXX ( Original Creditor : XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$170.00} Collection XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$11000.00} Collection XXXX XXXXXXXX ( OriginalCreditor : XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$250.00} Collection XXXX  ( Original CreditorXXXX XXXX XXXX  ) Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$620.00} Collection

Company response to consumer: Closed with non-monetary relief