vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
I am writing to formally dispute the following items on my credit report, which I believe are fraudulent and were not authorized by me. 

Fraudulent Account ( s ) : I have noticed the following account ( s ) listed on my credit report that I did not open, authorize, or benefit from : XXXXXXXX XXXX XXXX  account number : XXXX. 
Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number : XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX account number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX account number : XXXX Date Opened : XXXX XXXX, XXXX I believe these accounts are the result of identity theft or a mistake. Please investigate this matter and remove the account ( s ) from my report as soon as possible.

In support of my claims, I have attached a copy of my government-issued ID, proof of address, and any other documentation that may assist in the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
The XXXX XXXX XXXX ( Account # XXXX ) is being reported with contradictory, inconsistent, and unverifiable information across Equifax, Experian , and TransUnion, violating 12 CFR 1022.41.

Equifax reports {$0.00} high credit, while Experian lists {$110000.00} ( data corruption ).

Experian states Closed by consumer, yet also lists it as Unpaid loss ( conflicting status ). 
TransUnions record is also inconsistent with XXXX XXXX guidelines. 
Additionally, multiple unauthorized inquiries have been made on my credit file without permissible purpose, violating FCRA 604 ( a ) ( 3 ).

Unauthorized Inquiries Across All Bureaus : - Equifax : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

- Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). 

- TransUnion : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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:
The XXXX XXXX XXXX ( Account # XXXX ) is being reported with contradictory, inconsistent, and unverifiable information across Equifax, Experian , and TransUnion, violating 12 CFR 1022.41.

Equifax reports {$0.00} high credit, while Experian lists {$110000.00} ( data corruption ).

Experian states Closed by consumer, yet also lists it as Unpaid loss ( conflicting status ). 
TransUnions record is also inconsistent with XXXX XXXX guidelines. 
Additionally, multiple unauthorized inquiries have been made on my credit file without permissible purpose, violating FCRA 604 ( a ) ( 3 ).

Unauthorized Inquiries Across All Bureaus : - Equifax : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

- Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). 

- TransUnion : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to freeze my credit on Equifax, but when I attempt to sign into their website after creating an account I receive an error and directions to contact Customer Care ( see screenshot ). The XXXX XXXX line does not connect me with an agent to address this issue despite multiple calls. Equifax has not provided any other way to freeze my credit and I am very concerned that my personal information is at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
Equifax is reporting an account with XXXX XXXX XXXX that belongs to a relative. For some reason, they continue to verify this account belongs to me. 

I am uploading documentation, which includes the application and loan agreement. The application clearly indicates another social security number. This loan belongs to a relative of mine with similar information. I I am asking Equifax to remove this item from my credit report. If necessary, they should be able to verify this item belongs to somebody else with the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Kept receiving information from Suntrust bank but I've never banked with them in my life, I later found out an account was opened without my consent.

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 2025-03-15 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
XXXX XXXX and his XXXX  compatriots illegally accessed my data through their unlawful assault on the information & user data of the Department of Education. This is a breach of my privacy, our contract, and the law. This is a false department, accountable to no one, and it can not be trusted to act in good faith as XXXX has no security clearances due to his connections to foreign adversaries as well as a group of unknown workers who have not been thoroughly vetted.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-03-14 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: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of an account listed under XXXX, with account number XXXX, on my credit report. The reporting of this account contains multiple inaccuracies and potential violations under 15 U.S. CXXXXe XXXX  ( Fair Debt Collection Practices Act ) and 15 U.S. CXXXXe XXXXb ( Fair Credit Billing Act ). 

Dispute Details : XXXX. Violation of 15 U.S.C. XXXX ( FDCPA ) Unfair Debt Collection and Reporting The account is listed as charged off and purchased by another lender ( XXXX XXXX XXXX XXXX. ), yet there is no documented validation that the alleged debt amount is accurate or legally enforceable. 
Under 15 U.S.C. XXXXg, debt collectors must provide proper validation of debts upon request. No such validation has been provided. 
The balance is listed as {$0.00}, yet the comments indicate an unpaid balance reported as a loss. This contradiction suggests misleading or inaccurate reporting, a potential violation of 15 U.S.C. XXXXe ( XXXX ) ( False or misleading representation of debt ). 

XXXX. Violation of 15 U.S.C. XXXXb ( XXXX ) Improper Handling of Billing Errors The account was reportedly sold to another lender, but no notification was provided about the transfer or my rights under the Fair Credit Billing Act to dispute the charge before it was reported as a charge-off. 
If the account was transferred, the original creditor must ensure that any balances are accurately transferred and reported consistently across all XXXX credit bureaus. 
The creditor or collection agency has failed to provide documentation confirming the legitimacy of the transferred balance, as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against PayPal regarding an incorrect balance request on my account. Despite my repeated attempts to resolve this issue with PayPal, they have failed to take appropriate action. 

Issue Details : PayPal Account Email : XXXX Transaction Date : XX/XX/year> Transaction ID : XXXX Seller/Merchant Name : XXXX Amount Disputed : {$220.00} Date of Bank Refund : XXXX. 

I purchased a washing machine through PayPal but never received the item. As a result, I contacted my bank to dispute the charge, and they refunded the full amount. However, despite this refund, PayPal still shows an outstanding balance on my account and is requesting that I pay for a transaction that has already been reversed by my bank. 

Attempts to Resolve the Issue : I contacted PayPal customer support multiple times, explaining that my bank had already refunded me. However, PayPal has failed to acknowledge this and continues to hold me responsible for the balance. 

Requested Resolution : XXXX. Immediate removal of the incorrect outstanding balance from my PayPal account.

2. Assurance that my PayPal account will not be negatively affected ( no limitations, penalties, or collections ). 
XXXX. A written confirmation that this issue has been resolved. 

I have attached proof of my bank refund, along with relevant transaction details, to support my claim. 

I respectfully request the CFPB to intervene in this matter, as XXXX failure to correct their error is causing unnecessary financial stress. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Virginia XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Synovus Bank
State: MD

Complaint narrative:
Subject : Complaint Against First Latitude Unethical Business Practices & Failure to Refund Dear Consumer Financial Protection Bureau, I am filing a formal complaint against First Latitude for failure to refund my {$400.00} security deposit after I canceled my secured credit card application on XX/XX/year>. 

Despite multiple attempts to resolve this issue, First Latitude representatives have provided conflicting information, some denying my deposit even exists. The company operates in an unprofessional manner, and I have encountered language barriers, misleading statements, and a complete lack of accountability. 

I request your intervention to ensure my deposit is refunded and to investigate First Latitudes unethical business practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
Reporting Agency : [ XXXX ] XXXX XXXX XXXX Payment : XX/XX/year> Amount : {$17.00} XXXX, XXXX XXXX, am XXXX XXXX Executor and Beneficiary of this account, and I am disputing the accuracy and validity of this late payment reported on [ Date ]. 

I sent a Certified Notice of Demand for Validation of Debt to XXXX XXXXXXXX, requesting proof of the original contract, full payment ledger, and verification of this late payment. 

Despite my good faith efforts to resolve this matter directly with the creditor, XXXX  XXXX failed to provide the required documentation to validate this late payment, which violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 

Actions I Took to Resolve This Matter : Sent Dispute Letters Requested Proof of Proper Performance and Full Accounting Ledger No Response or Proper Documentation Provided by Creditor

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 2025-03-15 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am making a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

This breach has caused significant distress and concern regarding the security of my personal and financial data.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
An email from XXXX, acting on behalf of LVNV Funding, LLC, was sent to XXXX on Tuesday, XX/XX/XXXX, at XXXX XXXX XXXXXXXX with the following subject line : " Information about your account with LVNV Funding LLC ending in XXXX. ". 

The email was sent regarding a debt LVNV Funding, LLC purchased from XXXX XXXX Bank ( XXXX ), XXXX, in the amount of {$1200.00}, for account number ending in XXXX, which went into default on XX/XX/XXXX, and was officially charged off on XXXX XXXX, XXXX. 

The debt breakdown provided was as follows : As of XX/XX/XXXX you owed {$670.00} Between XX/XX/XXXX and today You were charged this amount of interest + {$580.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now {$1200.00} While the debt breakdown is seemingly correct, the terms and disclosures included in the email footer directly states the following : TEXAS LAW REQUIRES THE FOLLOWING DISCLOSURE : THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, LVNV FUNDING LLC WILL NOT SUE YOU FOR IT, AND LVNV FUNDING LLC WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY. THIS NOTICE IS REQUIRED BY LAW. 
PLEASE NOTE, IN ADDITION TO THE FOREGOING, THAT BECAUSE OF THE AGE OF YOUR DEBT LVNV FUNDING LLC CAN NOT SUE YOU FOR IT. 

However, XXXXVNV Funding, LLC, has filed a lawsuit with the Civil Court of Texas for the amount of the debt and submitted negative credit reporting directly in violation of their own disclosure. I received court papers on XX/XX/XXXX notifying me of the lawsuit with an order to appear in court on XX/XX/XXXX at XXXX p.m.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Esusu, Inc.
State: GA

Complaint narrative:
Complaint ID : XXXX Dear Consumer Financial Protection Bureau , I am writing to bring to your attention further discrepancies in Esusu, Inc.s reporting practices and the subsequent explanation provided by their Risk & Compliance Department . I am requesting to reopen my complaint and throughly investigate. 

Background and Discrepancies : 1. False Statement on Personal Rental Payments : Esusu stated that I personally made rental payments during 2024 prior to my rent being fully subsidized. This assertion is false. From the moment I enrolled in the rental reporting program XX/XX/year>, my rent was fully paid by the XXXX XXXX XXXX XXXX, as evidenced by my ledger from Invitation Homes as well as rental payment history from XXXX XXXX XXXX XXXX in XXXX GA. 
XXXX. Exclusion of Government-Subsidized Payments : In their response, XXXX risk department mentioned exclusions for government-subsidized rental payments. However, I have reviewed XXXX publicly available policies and their website, and there is no mention of any exclusions for government-subsidized rental payments. 
When XXXX Homes announced their rental reporting program, there was no disclosure or indication that government-subsidized rental payments would be excluded. 
Despite my request for evidence, the XXXX XXXX XXXX Department did not produce any documentation or supporting evidence to justify this exclusion. 
XXXX. Lack of Transparency and Evidence : I have personally saved copies of XXXX policy for my records, and these documents do not support the claim of an exclusion for government-subsidized payments. It appears that the statements made by the risk department are unsubstantiated and misleading, similar to their inaccurate claim regarding personal payments. 

Request for CFPB XXXX : I respectfully request that the Consumer Financial Protection Bureau investigate XXXX reporting practices, specifically : The false representation that I made XXXX XXXX  payments during 2024. 
The unsupported claim of an exclusion for government-subsidized rental payments in their reporting process. 
The failure of XXXX XXXX XXXX XXXX Department to provide any evidence or documentation to support these claims. 

I believe that these practices and statements not only misrepresent my rental payment history but also potentially violate the requirements under the Fair Credit Reporting Act, which mandates accuracy and fairness in reporting consumer information. 

Thank you for your attention to this matter. I am prepared to submit copies of the relevant policy documents and any additional supporting evidence upon request. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
XXXX sent a letter requesting for my personal information to be updated in accordance to my accurate information details

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