vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: ND

Complaint narrative:
I am submitting a formal complaint regarding the inaccurate information reported on my credit report by Experian related to an account with XXXX XXXX XXXX ( XXXX XXXX  ). Despite submitting a dispute directly to Experian and requesting proper documentation for verification under the Fair Credit Reporting Act ( FCRA ), I believe that the reported information is inaccurate, and my dispute has not been resolved adequately. 

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Status : Account charged off, {$520.00} written off, {$520.00} past due as of XX/XX/XXXX Balance : {$520.00} Details of the Complaint : Incorrect Reporting of Account Status : The account is reported as charged off with a {$520.00} balance, but I dispute the charge-off status. I have not received adequate documentation supporting this charge-off, and I believe this entry is inaccurate. 

Discrepancy in Payment History : The payment history shows multiple past-due amounts for XXXX  days, starting from XX/XX/XXXX to XX/XX/XXXX, but I do not have record of such delinquencies. I have requested proof from Experian, but no supporting documentation has been provided. 

Failure to Provide Proof of Verification : Despite my efforts to dispute this account with Experian under the FCRA, I have not received any physical proof verifying the accuracy of this account. I have requested documentation of the charge-off and the payment history, but Experian has failed to provide adequate verification.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report that have unjustly impacted my credit score. Specifically, I am contesting the accuracy of a late payment reported by XXXX under account number XXXX, currently showing an outstanding balance of {$410000.00}. I request a review and correction of this account 's payment history. Additionally, I am disputing the reporting of an account listed by XXXX  XXXX, originally from XXXX XXXX XXXXXXXX, under account number XXXX, which is inaccurately marked as an active collection with a balance of {$1600.00}. This debt was settled, and I request an update to reflect a XXXX balance and removal of the collection status.

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 2025-03-06 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:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SEVEREAL ACCOUNTS THAT WERE OPENED AS A RESULTS OF IDENITY THEFT.

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 2025-03-06 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 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : Formal Dispute of Charge-Off - Account # XXXX To whom it may concern, I am formally disputing the charge-off reported by XXXX on my credit report. This account is listed as a charge-off ; however, I never received a 1099-C cancellation of debt form as required by the IRS for canceled or forgiven debt. Due to this discrepancy, this account is inaccurate and must be removed immediately under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681.

Under 15 U.S.C. 1681i ( a ), I request an immediate investigation into this matter. If this information can not be verified, it must be deleted as per 15 U.S.C. 1681e ( b ). I also request the method of verification per 15 U.S.C. 1681i ( a ) ( 6 ).

Please complete this investigation within the legally required 30-day period. If this item is not removed, I am prepared to escalate this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
XXXX XXXX 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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My husband passed away XX/XX/year>. XXXX months later I was hospitalized in critical care. When I went to Wells Fargo to close his account, the person helping me was very rude and critical... stating " it has been XXXX months since he died and you are just now coming here '' ... .I had death certificate, marriage certificate ( since it was second for us both ) and court order. My name was not on his account but I had all documentation to permit closing. The lady was extremely rude and after more than an hour, refused to close since I did not have a 'letter of testimentary '' ... .which my attorney said I did not need as there was no financial or property inheritance. It cost {$400.00} for attorney to obtain court order which named Wells Fargo account. Mind you, this account only has {$200.00} which is a balance remaining of my two deposits totaling {$5000.00} after he died. The reason, his pension was returned upon his death. To keep everything legal since we shared expenses, and he had automatic drafts, I covered his account for XXXX months with my deposits. He also has a security box and they will not allow me to open to check whatever may be in there and then close out. This lady snapped at me and said, I'm freezing this account until you get back here with letter of testimentary! I spoke with my attorney and she said never has she heard of anyone refusing to obey a court order and I do not require letter of testimentary for anything. He had accounts with other banks and there was absolutely no problem in closing with documents I have. Wells Fargo has copies of all these on file as I went to another branch and even though that employee was nicer was not permitted to let me close account or security box. This has been a terrible amount of stress along with the death and grieving and is totally unnecessary over such a small amount of money. Please help me resolve this as I am an XXXX XXXX XXXX widow and have been trying to close this for XXXX years. No one should be treated the way I was at the bank where I have banked for many years even before it was Wells Fargo. I've also tried to file this with CFPB previously but could find no indication that it went through.

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 2025-03-06 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: MI

Complaint narrative:
I recently reviewed my credit report and discovered fraudulent accounts that I did not authorize. These accounts are negatively impacting my credit and my ability to obtain financing. I request their immediate removal from my report. Please investigate and take the necessary action to correct this issue. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NC

Complaint narrative:
Subject : Formal Dispute of Negative Accounts and Unauthorized Hard Inquiries Under 15 U.S. Code 1681o Dear Consumer, Financial Protection Bureau, I am writing to dispute certain items on my credit report that I believe are inaccurate and/or unauthorized. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and specifically invoking 15 U.S. Code 1681o - Civil Liability for Noncompliance. The items in dispute include late payments, negative account entries and hard inquiries that do not accurately reflect my credit history or were made without my authorization. 
Under the FCRA, you are required to investigate and verify all disputed items within 30 days of receiving this letter. Should you be unable to verify these items as accurate, I request that they be removed from my credit report immediately. Please provide me with written confirmation of your findings, along with documentation supporting your investigation. 
Failure to comply with the FCRA, including the provisions outlined in 15 U.S. Code 1681o, may render your agency civilly liable for noncompliance. I expect your prompt attention to this matter and look forward to a resolution at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IL

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 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I received an email notification from PayPal XXXX that my account password had been changed. At XXXX XXXX, I received another email stating that my account sold XXXX XXXX  for {$600.00} USD and was charged a {$10.00} USD fee, totaling {$590.00} sent to my PayPal XXXX. Then, I received another email subsequently at XXXX XXXX  XXXX, stating that my account bought {$590.00} in PYUSD with the {$590.00} in my PayPal balance from the ethereum sale. 

I caught this unauthorized action quickly and called PayPal 's customer service at XXXX XXXX, explaining to them that my account had been hacked. I did not change my password, and thus I did not sell my ethereum and convert it into XXXX, nor did I send this XXXX  to an email address of " XXXX ''. The customer service rep reassured me that PayPal had protection for buying and selling cryptocurrency. They also mentioned that my account was logged in from an unknown IP address. I was hopeful that PayPal would reverse this fraudulent activity swiftly, as it was clear that my account had been hacked. On XX/XX/XXXX, XXXX XXXX, I received an email from PayPal XXXX updating me on my dispute case for fraudulent/unauthorized activity on my account. They determined there was NO unauthorized use of my account, and did not reverse the transactions. I called their customer service again on XX/XX/XXXX, XXXX XXXX to complain about the decision to not reverse the transactions. This customer service representative took another look at the activity and reassured me they would get to the bottom of this, and opened an appeal to my dispute case. On XX/XX/XXXX, XXXX XXXX, I received an email stating that my appeal had been denied, as these transactions were consistent with my PayPal XXXX history. On XX/XX/XXXX, XXXX XXXX, I called their customer service for the third time to voice my frustrations at their incompetence and useless help. This customer service rep took another look at my account and noticed there were several logins with unknown IP addresses the past month- with IP addresses ranging from domestic states to XXXX within minutes. This rep told me that the other reps must have missed this, so he was going to provide this context and info for another appeal. He reassured me that with this information, my appeal would be looked over and reviewed properly within XXXX hours. It's XX/XX/XXXX, and I've never received an appeal email or really, any follow up email. 

PayPal is a load of garbage, and they do not protect their consumers whatsoever. This is negligence. This is incompetence to the highest level I've ever seen in my life. I made the mistake of holding cryptocurrency in such an unreliable and pathetic platform and won't be making that mistake again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-06 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 ( MO ) 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 non-monetary relief
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-06 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
For whatever reason nothing that has changed on my credit report shows when people pull my credit on Experian.com but all others show my improvement. Experian hasn't updated since XXXX, XXXX. XXXX. I just got denied XXXX loans because of this and it's making my Bad situation worse.

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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this formal complaint under the XXXX XXXX XXXX XXXX to dispute and request relief from financial obligations incurred as a result of XXXX XXXX  and financial coercion. My experience has been officially reported to the XXXX XXXX  XXXX  under Tracking Number XXXX on XX/XX/XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX, I was subjected to forced commercial XXXX XXXX  and financial manipulation in various locations, including XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. My XXXX  controlled my finances, dictated my movements, and exploited my identity for financial gain. 

I was coerced into financial obligations that I did not voluntarily agree to. These include banking accounts, credit cards, and financial records that do not belong to me but were used by my XXXX. The accounts and addresses listed below should not be associated with me and must be removed from my records. 



XXXX XXXX & XXXX XXXX The following actions were taken against my will as a result of coercion, manipulation, and financial abuse by XXXX  : I was forced into economic dependence, where XXXX  managed my money and dictated financial transactions. 
I was prevented from having control over financial accounts, making independent financial decisions, or escaping from economic bondage. 
My name and personal information were used to open financial accounts that I did not authorize. 
These debts and obligations were imposed on me through threats, manipulation, and intimidation, violating my rights under the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief