vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: MA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-01 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: IL

Complaint narrative:
My mortgage provider says there is a surplus in escrow found during the escrow analysis on XX/XX/year>. I have repeatedly requested the surplus amount and have not received the amount of the surplus a statement demonstrating the analysis or the refunded amount of the surplus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received several money transfers from my boyfriends uncle who disputed the charges to his debit card a week later. PayPal then reversed the payments received which has left my account in the negative and sent to collections. The uncle disputed these transfers for no other reason than he and my boyfriend had an argument which has since been resolved and the uncle continues to send money to my boyfriend to a different account, but has not attempted to correct my PayPal account since these transfers were authorized and the uncle had full knowledge of them. It is my understanding that this uncle has done this many times before with other financial institutions and I believe this is his way of scamming the banks to get his money back for money spent. I have filed complaints with the FBI and FTC and intend to file complaints to every agency possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payment 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 payment for the account : Bk of 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 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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CENTRAL BANCOMPANY, INC
State: KS

Complaint narrative:
Deposit Amount : {$1100.00} Date of Deposit : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX digits of account # : XXXX XXXX Number : XXXXXXXX XXXX XXXX sent me the above information which shows me where and when they sent my deposit. 

Unfortunately that checking account had been closed by Central Bank several months ago due to it having a negative balance. 

Now Central Bank is saying they will keep the negative amount owed, which I am not sure what that amount is. I believe it to be around {$300.00}. Then they will send the remainder of the balance back to XXXX XXXX sometime this week, which is the week of XX/XX/XXXX. 

This account has been closed, so they should not be allowed to just keep the money without my authorization.

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 2025-04-01 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
Despite being provided legal documentation, you have continued to report inaccurate, unverifiable, and fraudulent data, which places you in willful violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

YOU ARE CURRENTLY IN VIOLATION OF THE FOLLOWING FCRA PROVISIONS : FCRA XXXX [ XXXX U.S.C. XXXX ] Failure to Block Fraudulent Information Upon receipt of an Identity Theft Report, you are legally required to block fraudulent data within 4 business days. You have failed to do so.

FCRA 623 ( a ) ( 6 ) [ 15 U.S.C. 1681s-2 ( a ) ( 6 ) ] Reporting Information After Notice of Identity Theft A data furnisher is prohibited from reporting information that it knowsor has reason to knowis the result of identity theft. Your continued reporting is unlawful.

FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] Failure to Investigate Disputed Information You are required to conduct a reasonable reinvestigation upon dispute. No such valid reinvestigation or outcome has been provided.

FCRA 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ] Failure to Provide Method of Verification You must disclose the method of verification used to confirm the disputed data. You have failed to provide this in writing.

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 2025-04-01 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
I am disputing a debt collection reported by Columbia Debt Recovery LLC DBA Genesis on XX/XX/XXXX. The initial amount was {$8200.00}, which has grown to {$9500.00} due to {$1300.00} in interest charges. 

There are XXXX significant issues with this debt that warrant investigation : First, during the XXXX pandemic, I experienced a loss of income that affected my ability to pay rent at XXXX XXXX XXXX XXXX My landlord specifically informed me that unpaid rent would be covered by the Housing Is Key XXXX Rental Relief program of XXXX XXXX XXXX I relied on this information in good faith. 

Second, all correspondences regarding this debt list my name as " XXXX XXXX XXXX '' when my legal name is " XXXX XXXX XXXX. '' This name discrepancy is concerning as I was a victim of identity theft around XXXX. This incorrect spelling raises serious questions about whether this debt is legitimately mine or possibly connected to the previous identity theft incident. 

This debt has significantly impacted my life. It has severely hindered my ability to improve my credit score despite my best efforts to rebuild my financial standing. Most devastatingly, it has prevented me from securing new housing, as landlords view this debt as a red flag during their screening process. I am essentially trapped in my current living situation due to a debt that I believe should have been covered by pandemic relief assistance. 

I previously disputed this debt, but Columbia Debt Recovery responded with a generic email stating the information was correct, without addressing either the rental relief program assurances or the name discrepancy. 

I request that this debt be removed from my credit report. I believe there has been both a misunderstanding regarding the XXXX XXXX XXXX program coverage and a potential connection to previous identity theft and don't believe I should be penalized for this. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

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

Company 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 2025-04-01 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I currently have over {$8000.00} in charges on my PayPal account, despite only having a credit limit of {$3300.00}. I demand a full investigation into how unauthorized access to my account occurred, especially considering I've maintained this account for over 10 years. Here are some specific charges I need addressed : - **XXXXt** - **Transaction Code : ** XXXX - **Amount : ** {$870.00} - **Total : ** {$870.00} - No interest if paid in full by XX/XX/year>. - **XXXX XXXX** - **Expiration Date : ** XX/XX/year> - **Purchase Amount : ** {$790.00} I have already spoken to a representative at PayPal who instructed me to contact the merchants directly. However, I want to make it clear that I have not ordered, given access to, or received anything from these businesses. PayPal 's refusal to assist with this matter is unacceptable, and I need to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: DE

Complaint narrative:
PayPal placed a {$41000.00} reserve on my business account on XX/XX/XXXX, which has now grown to {$47000.00}. 

Despite PayPal 's policy of reviewing reserves after 180 days ( which has passed ) and multiple requests, no funds have been released, and no clear resolution timeline has been provided. 

Timeline : - XX/XX/XXXX : Reserve implemented, citing " prolonged delivery timelines '' - XX/XX/XXXX : Requested 50 % release after metrics improvement - XX/XX/XXXX : Sent follow-up after no substantive response - XXXX XXXX XXXX : Received only generic responses from representatives Business Impact : - Severecash flow constraints- Difficulty meeting supplier obligations- Forced to seek expensive short-term financing - Critical services suspended ( XXXX XXXX XXXX XXXX ) XXXX Business continuity at risk PayPal Violations : - Failed to conduct XXXX review per their stated policy - Lack of transparency regarding release conditions- Disproportionate reserve ( {$47.00} XXXX  ) relative to actual dispute activity - Contradictory communications about account status ( limitations partially removed, account restored, then permanently limited ) Resolution Attempts : - Multiple detailed communications XXXX XXXX XXXXXXXX ) - Prompt responses to all inquiries - Demonstrated improved metrics ( dispute rate now in standard tier ) - Requested specific guidance on requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 2025-04-01 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:
Experian is reporting inaccurate information for a mortgage loan with XXXX XXXX. The account is up to date but experian is reporting is as past due with a negative balance. below is my mortgage statement for this month reflecting the actual amount due. 

According to FCrA ( 15 U.S.C. 1681s-2 furnishing inaccurate information to creditors can result in penalties and consumers can use for damages including statutory damages from XXXX $ to XXXX $ per violation. plus punitive damages in cases of willful violations. 

I am requesting the information be updated and inaccuracies removed based on the facts.

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 2025-04-01 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: CA

Complaint narrative:
Experian is reporting inaccurate information for a mortgage loan with XXXX XXXX. The account is up to date but experian is reporting is as past due with a negative balance. below is my mortgage statement for this month reflecting the actual amount due. 

According to FCrA ( 15 U.S.C. 1681s-2 furnishing inaccurate information to creditors can result in penalties and consumers can use for damages including statutory damages from XXXX $ to XXXX $ per violation. plus punitive damages in cases of willful violations. 

I am requesting the information be updated and inaccuracies removed based on the facts.

Company response to consumer: Closed with non-monetary relief