vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to address your reporting on an alleged debt referenced above, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This matter is governed by an arbitration agreement with [ Insert Original Creditor ], which specifies that any disputes must be resolved through arbitration as outlined in the binding agreement. To my knowledge, no arbitration proceedings have occurred, making your collection actions a direct breach of that agreement. As such, I maintain that you lack the authority to pursue this alleged debt. 
I aim to resolve this matter swiftly and cooperatively and request that you take the following actions immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
The company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX ( XXXX ) XXXX Account ID : XXXX Is showing on my credit report as an unpaid account when it was sent to the XXXX XXXX and XXXX off. The XXXX XXXX was removed from my credit report, however, XXXX  or the Credit Bureaus will update this information on my Credit Report. All XXXX bureaus for different dates and inconsistent negative information. 

XXXX XXXX XXXX DISPUTES XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account ID : XXXX Also, incorrect information reported by all 3 credit bureaus Equifax states I paid 73 % of my payment on time while Experia reports I paid 21 %. TransUnion and Equifax reported I paid off the charge off while Experian does not. The amount sent to collection from XXXX was {$240.00} in late fee. The title was sent to me and those charges were charged off and sent to collection. 

Experian is all also reporting accounts from XXXX XXXX XXXX XXXX that have been paid in from XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX ( XXXX ) XXXX Account ID : XXXX Is showing on my credit report as an unpaid account when it was sent to the XXXX XXXX and XXXX off. The XXXX XXXX was removed from my credit report, however, XXXX  or the Credit Bureaus will update this information on my Credit Report. All XXXX bureaus for different dates and inconsistent negative information. 

XXXX XXXX XXXX DISPUTES XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account ID : XXXX Also, incorrect information reported by all 3 credit bureaus Equifax states I paid 73 % of my payment on time while Experia reports I paid 21 %. TransUnion and Equifax reported I paid off the charge off while Experian does not. The amount sent to collection from XXXX was {$240.00} in late fee. The title was sent to me and those charges were charged off and sent to collection. 

Experian is all also reporting accounts from XXXX XXXX XXXX XXXX that have been paid in from XXXXXXXX XXXX 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Some thing about a XXXX  bill thats not my Im already a XXXX customer like it dont make any sense and I never stayed at the address that the representative told me was on the account

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im writing to bring your attention to a credit inquiry on my report that I did not authorize, and it clearly has no permissible purpose. Im not sure how this inquiry was made, but I want to make it clear that I never gave permission for it.

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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint against PayPal for wrongfully withholding my funds and restricting access to my legally earned money without cause or justification. Despite my full compliance in providing requested information, PayPal continues to delay the release of my funds and has made unreasonable demands that do not align with their policies or standard business practices.

This is a clear violation of my consumer rights, including : 1. Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) PayPal is unlawfully restricting my access to my own money without legal justification.

2. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531 PayPal is engaging in deceptive and unfair business practices by wrongfully withholding my funds.

This ongoing delay has caused me financial hardship, and PayPal has failed to provide any valid reason for restricting my funds. I am requesting immediate action to resolve this matter and restore access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX for unlawful debt collection practices and inaccurate credit reporting in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

What Happened : XXXX XXXX Is Reporting a Debt It Does Not Own XXXX XXXX XXXX XXXX is attempting to collect and report a debt that did not originate from them and for which they have no legal right to collect. 
The alleged debt is governed by a binding arbitration agreement with the original creditor, which requires arbitration before any collection or reporting can occur. No arbitration has taken place.

Their actions violate 15 U.S.C. 1692e ( false or misleading representations ) and 15 U.S.C. 1692f ( unfair practices ) under the FDCPA. 
XXXX XXXX Is Reporting Inaccurate Information to Credit Bureaus I disputed this account with XXXX, XXXX, and XXXX, explaining that XXXX XXXX has no legal authority to collect or report this debt. 
XXXX XXXX failed to provide validation or remove the account, violating 15 U.S.C. 1681s-2 ( b ) ( duty to investigate and correct inaccurate information ). 
XXXX XXXX Is Ignoring My Dispute & Continuing Collection Efforts I sent a formal dispute letter demanding that they cease collection efforts and remove the tradeline.

Instead of complying, they continued their collection attempts and credit reporting, violating FDCPA protections. 

Steps I Took : Sent a dispute letter to XXXX XXXX, demanding verification of the debt and removal from my credit report. 
Disputed the account with XXXX, XXXX, and XXXX, citing FCRA and FDCPA violations. 
Despite these actions, XXXX XXXX continues to report inaccurate information and attempt collection. 
Requested Resolution : Immediate deletion of the XXXX XXXX tradeline from all credit bureaus. 
XXXX of all collection activities related to this debt. 
A formal investigation into XXXX XXXX ' violations of the FDCPA and FCRA. 
If this is not resolved, I will pursue legal action under 15 U.S.C. 1681n & 1681o for willful and negligent violations of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to request an investigation of the following information that appears on my report. I have NEVER opened or used the following accounts I'm a victim of identity theft. i attached my identity report affidavit, i want all items deleted immediately or my next resort will be litigation. again i will list these fraudulent accounts here this is a serious concern and my rights are not being honored. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out because Ive noticed an account listed on my credit report thats currently in pending litigation. This account should not be affecting my credit at this time, and I need it removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: RI

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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing because Ive noticed a credit inquiry on my report that I did not authorize. I want to be clear : I never gave permission for this company to pull my credit, and I have no idea how this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you're doing well. I'm reaching out because I recently checked my credit report and noticed some information that isnt quite right. Specifically, theres an entry that doesnt accurately reflect my financial history, and I need your help in getting it sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing because Ive noticed a credit inquiry on my report that I did not authorize. I want to be clear : I never gave permission for this company to pull my credit, and I have no idea how this happened.

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 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im reaching out because Ive noticed an account listed on my credit report thats currently in pending litigation. This account should not be affecting my credit at this time, and I need it removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MS

Complaint narrative:
I opened an account with Badcock on XX/XX/year>, and consistently made my payments on time every month. However, in XXXX, when I attempted to make a payment, the online portal displayed an error message saying " not found. '' Then, in XXXX, I started receiving calls from different 800 numbers. The callers were extremely rude and demanded my credit card information over the phone. When I asked who they were, they refused to identify themselves and even hung up on me multiple times. I was transferred repeatedly, yet never got any clear answers. 

This frustrating situation continued through XXXX and XXXX, and now into XXXX. Eventually, after being transferred five more times, I ended up speaking with someone who inexplicably sent me to XXXX a company I have no connection with. He provided me with an account number, but when we attempted to log in, it didnt work. When I asked for his company details and requested written confirmation, he also hung up on me. 

To make matters worse, my account was reported to the credit bureaus as delinquent, which is completely unfair. I had no way to make my payment because every portal, link, and phone number I tried was either broken or unresponsive. I even called the number listed on my credit report for the reported debt, only to find that it had been disconnected. 

On XX/XX/XXXX, I finally received a letter from Badcock Servicing regarding a tax refund and a request to pay off my debt. The letter looked suspicious, but it included a website link the same website that had been inaccessible for the past 23 months. This time, it worked, and I was finally able to make a payment. 

This entire situation is completely unacceptable. Customers were given no way to make their payments, yet we are being penalized for it. Both companies failed, and now consumers are suffering the consequences. This needs to be reported because it is simply not right or fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against Equifax for multiple violations of federal law regarding a fraudulent account on my credit report. Despite providing a police report and FTC Identity Theft Report, Equifax has failed to remove the fraudulent account and has re-inserted a previously deleted account, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2.

Under 15 U.S. Code 1681c-2, Equifax must block the reporting of fraudulent information within 4 business days of receiving my identity theft documentation. Despite receiving both my police report and FTC report, the following fraudulent account remains on my report : XXXX  XXXX XXXX XXXX Account # : XXXX Balance : {$800.00} Opened : XX/XX/XXXX  Equifax has unlawfully re-inserted this previously removed fraudulent account without following the proper certification process or notifying me as required by law. 

This violates 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which prohibits the re-insertion of any information into a consumers file unless the reporting agency certifies its accuracy and informs the consumer. I received no such certification or notice, and this fraudulent account has severely damaged my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope this message finds you well. Im writing to formally dispute an incorrect entry on my credit report. Upon reviewing the report, I noticed that there is inaccurate information that doesnt reflect my financial history, and Im requesting an immediate investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: RI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am filing a complaint against Zelle ( Early Warning Services ) due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. This resulted in significant inconvenience and financial loss. I seek app redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp.
State: GA

Complaint narrative:
I need all my history of wire transfers for immigration purposes since the year XXXX  and forward.

Company response to consumer: Closed with explanation