vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
I am writing to dispute a fraudulent account that is currently appearing on my credit report. I believe that my personal information has been compromised and used to open an unauthorized credit card. 
The account in question is : Creditor : XXXX XXXX  Date Opened : XX/XX/year> I have never authorized or applied for a credit card with XXXX  XXXX. This account is not mine, and I am a victim of identity theft. 
I contacted XXXX  XXXX directly and reported the fraudulent activity. They have closed the account. 
Despite XXXX XXXX closing the account, it continues to appear on my credit reports, negatively impacting my credit score. 
See my FTC Identity theft report attached. 
I am requesting that you : Conduct a thorough investigation into this matter. 
Immediately remove the XXXX  XXXX account from my credit report as it is a result of fraudulent activity. 
Ensure that my credit report reflects my true credit status, which is on-time payments, and no negative fraudulent accounts. 
I expect a prompt resolution to this matter. 
Thank you for your immediate attention to this serious issue.

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 2025-03-18 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: CA

Complaint narrative:
I am writing to dispute a fraudulent account that is currently appearing on my credit report. I believe that my personal information has been compromised and used to open an unauthorized credit card. 
The account in question is : Creditor : XXXX XXXX  Date Opened : XX/XX/year> I have never authorized or applied for a credit card with XXXX  XXXX. This account is not mine, and I am a victim of identity theft. 
I contacted XXXX  XXXX directly and reported the fraudulent activity. They have closed the account. 
Despite XXXX XXXX closing the account, it continues to appear on my credit reports, negatively impacting my credit score. 
See my FTC Identity theft report attached. 
I am requesting that you : Conduct a thorough investigation into this matter. 
Immediately remove the XXXX  XXXX account from my credit report as it is a result of fraudulent activity. 
Ensure that my credit report reflects my true credit status, which is on-time payments, and no negative fraudulent accounts. 
I expect a prompt resolution to this matter. 
Thank you for your immediate attention to this serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and found an inaccurate late payment reported on my XXXX account ( Account Number : XXXX ). All payments have been made on time, making this late payment notation incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of the data they report, and knowingly reporting erroneous information is a violation of this law. Specifically, TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year> and XX/XX/year>, while Equifax inaccurately reports 30-day late payments for XX/XX/year> and XX/XX/year>. Since my account status remains current and all payments have been timely, these errors must be corrected within 15 days of receipt. Additionally, I request documentation verifying compliance with 15 U.S. Code 1666b, which requires periodic statements to be delivered at least 21 days before the payment due date. Please provide the periodic statement and corresponding tracking number to confirm timely delivery. I have attached supporting documentation highlighting these inaccuracies for reference.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-18 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: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX  : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XX/XX/XXXX MOHELA/DOFED XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX/XX/XX/XXXXXXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX FIN XXXX XXXX XXXX : {$0.00} XXXX BANK XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  FINCL XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK NA XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX HARD I XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX  : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XX/XX/XXXX MOHELA/DOFED XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX/XX/XX/XXXXXXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX FIN XXXX XXXX XXXX : {$0.00} XXXX BANK XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  FINCL XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK NA XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX HARD I XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: OH

Complaint narrative:
Urgent Request for Immediate Removal of Unauthorized Dispute XXXX XXXX XXXX To XXXX Experian Dispute Department Dear Experian, I am contacting you regarding my Experian credit file ( Report # XXXX ), specifically the XXXX XXXX account ( Account ending in XXXX  ). This account is reported as Paid, Closed/Never late, and was closed at my request. However, I recently received notice from Experian that this account is under disputea dispute that I did not initiate. 

I am formally demanding : 1. Immediate removal of the dispute comment placed on this account.

2. Documentation/proof of the origin of this dispute : When was the dispute submitted? 

Who submitted it? 

Provide time-stamped records, IP address ( if online ), or audio recordings ( if phone ). 


If you fail to resolve this error within 15 calendar days, I will file complaints with the CFPB and the Ohio Attorney General, and initiate binding arbitration for damages resulting from false credit reporting under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I expect confirmation in writing that this unauthorized dispute has been fully removed, and that the XXXX XXXX  account is reflected as it was priorpaid, closed, and never late with no dispute remarks.

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 2025-03-18 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: Advanced Resolution Services Inc.
State: SC

Complaint narrative:
These items are inaccurate and violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ). Your agency must ensure the information you report is correct.

Additionally, under [ 15 USC 1681b ] ( a ) ( 2 ), you have shared my confidential information without my permission, breaching my privacy rights as per [ 15 USC 1681 ] ( a ) ( 4 ).

Please delete these items immediately. If not addressed, I will take legal action.

These violations are considered Aggravated Identity Theft under [ 18 USC 1028A ] ( a ) ( 1 ), a felony offense. I am seeking the following compensations :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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 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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
THIS IS THE XXXX COMPLAINT I HAVE FILED AGAINST CCM/XXXX XXXXXXXX AND NOTHING APPARENTLY HAS BEEN DONE. I'VE RECEIVED PAST DUE NOTICES, DELINQUENT AND DEFAULT NOTICES EVEN DURING THE 60 DAY LOAN TRANSFER PERIOD. THEY REPORTED ME 4 MONTHS PAST DUE TO THE CREDIT BUREAU AND I'M NOT BEHIND. I THEN RECEIVED A LETTER FROM THEM STATING THAT THEY KNOW MY ACCOUNT IS NOT BEHIND BUT IS PAID AHEAD OF TIME. I RECEIVED A CERTIFIED LETTER TODAY WITH THEM SAYING I OWE THEM OVER {$8000.00}. I'VE HAD TO FILE A COMPLAINT WITH THE TX. DEPT. OF SAVINGS AND MORTGAGE LENDING. XXXX. XXXX HAS UNTIL XX/XX/XXXXXXXX  TO EXPLAIN THEMSELVES. THIS HAS BEEN 15 MONTHS AND COUNTING. I DISPUTED THE NEGATIVE MARKS IN MY CREDIT REPORT BUT XXXX DID NOT REMOVE THEM REGARDLESS OF FACTUAL DOCUMENTS SHOWING PROOF I HAVE NOT BEEN LATE OR BEHIND IN MY PAYMENTS. MY CREDIT IS RUINED. I WAS DENIED A CONSOLIDATION LOAN FROM MY BANK RECENTLY. WHY HASN'T THE CFPB DONE ANYTHING???? I'M NOT THE ONLY ONE GOING THRU THIS WITH THIS MORTGAGE COMPANY AND THEIR LOAN SERVICER. EVEN AFTER ALL THE ACCUSATIONS OF BEING LATE, IN DEFAULT AND MISSING 4 MONTHS OF PAYMENTS FROM XXXX XXXX THRU XX/XX/XXXX, I HAVE A LETTER FROM CCM STATING THAT MY ACCOUNT IS NOT BEHIND AND IS PAID AHEAD OF TIME. AND THERE ARE MANY LATE NOTICES INBETWEEN. TO MANY TO ATTACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
Elevate recoveries LLC is contacting me by mail about a debt that does not exist. I contacted the supposed original creditor but they do not recognize either the debt or the original account number informed by Elevate Recoveries LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: VA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Social Security XXXX Date of Birth : XX/XX/XXXXXXXX  In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX, XXXX, NY, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I had an account with XXXX  ; I had sent in verification/ copy of my DL etc- I had bought some shoes from a man from Mississippi, he wanted me to send my payment for his INCLOUD shoes thru XXXX, I tried to send the money ( {$35.00} ) however it cont to bring up an error everytime I tried to transfer it ; I contacted customer service and went back in forth with them durning this time sending my driver license, etc to them. I also went to XXXX and put XXXX more dollars on my card believing maybe it was because the first XXXX I loaded onto my account via bank account with XXXX- believing that the delay was due to those funds being electronically deposited into my account. 
This made my total on my account XXXX, however then I recv an email saying my account was suspended and I would have to wait 180 days before then they would determine IF getting access to my funds back would be possible or not- the transfer to the man for the shoes never occurred I ended up having to get my mother to write an actual check from her bank and give her the cash - for the shoes by that time I could of bought a brand new pair of XXXX  instead of trying to get a deal, i have since then tried to email to see if I can do anything to get access to my funds they have not responded back to me. It is very upsetting I am a single mother and I have a XXXX  XXXX child XXXX dollars is nothing to a XXXX dollar company it makes a world of difference to me tho - they have no legal right to keep my money, I even tried to open an accountbusiness account to tie to my account bc I was told I needed to do that to be able to buy or sell with my account- I tried and done everything asked. My son also has a teen account which he has never used but I also opened that back XXXX months ago when offered, trying to do everything to be a good patron of there business so they would cont to grow. They have to be breaking some sort of law keeping someones money like this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-18 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: MI

Complaint narrative:
RE : Formal Complaint Regarding Repeated Failure to Investigate Dispute - Account Number : XXXX {$4900.00} XXXX {$4900.00} Dear Experian, This letter serves as a formal complaint regarding your repeated failure to conduct a thorough and reasonable investigation into my dispute concerning an inaccurate trade line on my credit report. I have disputed the following account, account number [ Inaccurate Account Number ], approximately ten times, and each time, you have failed to properly investigate the accuracy of the information reported. 
The inaccurate information reported is as follows : inaccurate information, incorrect balance, incorrect payment history, I have provided the proof my FTC report, I sent you proof of multiple inaccuracies. 
Despite these submissions, you have repeatedly failed to : * Conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ).

* Contact the furnisher of the information to verify the accuracy of the disputed information.

* Provide me with the results of a thorough investigation.

* Remove the inaccurate information.

Your failure to conduct a proper investigation constitutes a violation of the FCRA, specifically Section 611, which mandates that credit bureaus conduct a reasonable reinvestigation of disputed information. I am requesting that you : * Immediately conduct a thorough reinvestigation of the disputed account.

* Contact the furnisher of the information and obtain verification of the accuracy of the reported data.

* Provide me with written documentation of the results of your investigation, including the methods used and the information verified.

* Delete the inaccurate trade line from my credit report immediately.

I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you fail to take immediate action to resolve this matter. I also intend to pursue all available legal remedies to protect my rights under the FCRA.

Please provide a written response to this complaint within 30 days, detailing the steps you have taken to address this matter. 
Sincerely, XXXX XXXX I reject your shame investigation. You are not investigating my disputes.

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