vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Today XX/XX/XXXX I verbally spoke with an XXXX Representative to discuss the False information on My Credit Report. This is my third and Final Attempt to get this Resolved. Ive already uploaded My Driver XXXX and XXXX XXXX XXXX sense XX/XX/XXXX. My Personal information such as My Driver License and Social Security card and XXXX XXXX XXXX was loss as a result Someone opened XXXX Accounts with XXXX XXXX open on XX/XX/XXXX and Delinquent XX/XX/XXXX And also an Account with XXXX XXXX on XX/XX/XXXX and Delinquent on XX/XX/XXXX this information is False and Not My Account. Looked at the dates which are questionable. Also ive filed a police report and Notify XXXX however they have not Changed the information yet with My account.

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: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
Ended my XXXX with my XXXX XXXX paid the last fees and last months rent. They called me XXXX months later asking if I was going to pay my month to month rent that they kept charging after my lease ended

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: TX

Complaint narrative:
I ascted them for the information described on the reemarcs they can not provide that infermation and it is stilcoming out on myXXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
There were fraudulent accounts that have been active on my XXXX, XXXX XXXX and XXXX for the span of the last XXXX to XXXX years. These accounts are invalid and I do not own these accounts. 
There is a XXXX account on my credit from a Loan Mart. There is a XXXX XXXX account that is invalid and fraudulent. There is an XXXX credit card account that is invalid and fraudulentThere is a XXXX account that is invalid and fraudulent None of these accounts Ive ever had. These are all fraudulent accounts that have been placed on my credit report bringing my score down tremendously. I need these items removed as soon as possible.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I hereby state that I have never authorized these companies to access or pull my credit report, nor have I ever applied for any form of credit with them. Any inquiries made on my credit file were done without my consent and are therefore unauthorized. I request immediate removal of these inquiries from my credit report and expect a prompt resolution to this matter. Unauthorized credit inquiries can negatively impact my XXXX XXXX, and I take this issue seriously. Please provide documentation proving any alleged authorization ; otherwise, I demand these inquiries be deleted 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 2025-03-18 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$3000.00}, XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$1900.00}, XXXX, XXXX & XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$880.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX XXXX {$370.00}, XXXX XXXX bank Account # : XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX  date XXXX XX/XX/XXXX XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 2025-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
XX/XX/year> - I have been dealing with USAA to XXXX XXXX XXXX since XXXX. Through this process, I was told that the bank would retitle the vehicle in my name alone ( which was why I was refinancing ). I have called the bank at least XXXX times and with every phone call, I asked to make sure that the vehicle would be refinanced in my name alone by them. I was told to pay money to get my title from XXXX XXXX XXXX XXXX XXXX ( because they messed the process up of receiving the title from the previous XXXX holder ) and to mail it to their bank where they would remove the second party from the title. Again, they confirmed they would remove the second party over and over. Today I was informed that I will need to remove the second party from the title myself and they would not mail me my document without charging me {$20.00} to overnight it and they would not accept responsibility that This was their fault in order to waive the fee. This is unacceptable business practices by USAA. I will pay {$20.00} to the XXXX XXXX XXXX to get my title tomorrow but I want to be reimbursed, as the error rests solely on their shoulders, and the bank refuses to do so despite causing me to incur additional fees.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NM

Complaint narrative:
I called my school financial aid to ask about an email I got that I had missed a payment on my loan. I was confused because Im still a student at my university so I thought I wasnt supposed to pay yet. She told me I would have to contact XXXX XXXX so I did and on that call the call robot told me my servicer is edfinancial and asked if I wanted to be transferred to talk to a representative from them. I said yes and I was transferred to another robot asking for information. I give my information and I was on hold for about an hour until I had to hang up because I became busy. After I tried the XXXX XXXX and that had me wait saying there was XXXX chats waiting then after about XXXX mins it says there was no one to put up my chat and closed the chat. I then called again to wait another XXXX mins but by then I had to go again. Both times I asked for a call back but I have yet to receive XXXX. This is very important to me as this can affect my credit and I cant even contact them to fix the problem.

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 — Old information reappears or never goes away
Company: Synovus Bank
State: NV

Complaint narrative:
My credit card is being reported on my XXXX credit report twice. I checked the details on my credit report and the same card is being reported multiple times. XXXX account is correct and the other account is showing that the balance and account information was last updated on XX/XX/2024 with a balance of {$39.00} owed. 
This seems like an obvious mistake or some kind of clerical error.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I called XXXX XXXX on XX/XX/XXXX. I gave the representative consent to withdraw XXXX payments from my account. The representative asked to setup an automatic payment for XX/XX/year>. While on the phone with the representative I checked my bank account. I noticed XXXX payments came out. I told the representative you did not have permission to withdraw XXXX payments. She stated I'm sorry, I made an error. She said she would put a request in to refund the money and it would take XXXX business days for a refund. On XX/XX/XXXX, i called and asked to speak to a supervisor, XXXX ( XXXX XXXX ) on XX/XX/year> He stated that he could see the approval of my refund in the amount of {$220.00}. confirmation XXXX XXXX this is for the approve refund today. I called XXXX XXXX again and spoke with XXXX a man. he stated the refund will take place within XXXX hours. I explained to XXXX that we've called several times and I kept getting the run around and I don't believe anything he says. Now we are being told a case will be opened for an escalation. The case # is XXXX. The case # is a complaint that has been submitted. The representative said it may take XXXX business days for someone from the escalation team to respond.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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 2025-03-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND AN ACCOUNT THAT HAS NOT BEEN OPENED BY ME.THIS IS REALLY IMPORTANT FOR ME BECAUSE ITS HURTING MY CREDIT AND I DO NOT AUTHORIZE THAT 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 2025-03-18 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: NC

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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: NC

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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: 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

Complaint narrative:
On XX/XX/2023, my PayPal account was limited without any prior notice or explanation. Since then, I have been unable to access or withdraw the funds in my account. There are no disputes or chargebacks on my account, and I have not violated any of PayPals policies. 

I contacted PayPal support a number of times, and spoke with different representatives. During the conversation, I was informed that my account is permanently limited, but no specific reason or policy violation was provided. I requested an explanation and steps to resolve the issue, but PayPal has not communicated further or provided any resolution. 

To date, I have not received any emails or notifications from PayPal regarding the limitation or the status of my funds. I have complied with all requests for documentation and have not been informed of any additional steps required to resolve the issue. 

The lack of communication and inability to access my funds has caused significant inconvenience. I am requesting : Immediate access to my funds or a clear timeline for their release.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-19 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

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