vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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 non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I just came across a credit inquiry from your company that I never authorized. Let me be absolutely clear : I did not give youor anyone acting on your behalfpermission to access my credit report, and I take this very seriously.

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 2025-05-07 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I just came across a credit inquiry from your company that I never authorized. Let me be absolutely clear : I did not give youor anyone acting on your behalfpermission to access my credit report, and I take this very seriously.

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 2025-05-07 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
Im reaching out because there are accounts listed on my credit report that are completely inaccurateand I want them removed immediately. Let me be clear : I did not open these accounts, nor did I authorize anyone to open them on my behalf. They are not mine, and they should not be there. This is a serious issue, and Im treating it as such.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I transferred {$10.00} from my PayPal account to my XXXX account. I had never done that before so this was a trial run to make sure it would work. It did. I received the money in my XXXX  account the same day. So, on XXXX XXXX, I transferred {$1000.00} from my PayPal account to my XXXX account. PayPal shows that the money was sent but, XXXX says they didnt receive it. Ive tried talking to both companies and they say there is nothing they can do because neither one was responsible for what the other did. I also want to clarify that originally I tried to deal with this by using PayPals choices for remedy online. I used the my merchandise was not received option and it was denied. So, I tried saying it was a fraudulent transaction, hoping security would actually read what the problem really was. That was denied. Then I called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CO

Complaint narrative:
Dear XXXX XXXX  Per our prior communication, your XXXXXXXX XXXX XXXX XXXX. ( XXXX XXXX ) account is now being handled by our office. You do have payment options which can be viewed at XXXX 

We understand that you were previously making payments on this. We are available to assist you with getting back on track. 

We see you made a payment of {$70.00} on XX/XX/XXXX. We have put together some offers that may suit you better. 

Original Creditor : XXXXXXXX XXXX XXXX XXXX 
Our Reference Number : XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed XXXX XXXX XXXX XXXX Total Balance Due : {$340.00} Call us at ( XXXX ) XXXX or simply reply to this email so we can assist you. 

Hours of Operation ( XXXX ) : XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-05-07 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
I started noticing money coming out of my account that I did not have. I had signed up for there to be no overdraft taken out however Wesbanco updated all their apps and websites and it turned off my protection. Im currently in a dispute with XXXX XXXX because it shows I have loans out that I do not have. They said they can not freeze my account, Im currently out of work due to injury and they said they can not freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 notice these accounts that don't belong to me I didn't apply for these accounts and I did have any knowledge of knowing about these accounts ACCOUNTS creditor XXXX XXXX  accounts number XXXX date open XX/XX/year> amount {$7200.00} creditor XXXX XXXX accounts number XXXX date open XX/XX/year> amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have a mortgage with a ex wife in XX/XX/year>2023 I filed bankruptcy and surrendered this account and now its still showing on my credit under a different bank name and they will not remove it off 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 2025-05-07 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: TX

Complaint narrative:
I just came across a credit inquiry from your company that I never authorized. Let me be absolutely clear : I did not give youor anyone acting on your behalfpermission to access my credit report, and I take this very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I am disputing entirely the reporting of an open XXXX XXXXXXXX account status with a balance of {$500.00} as shown on Experian ( Report Number XXXX ) and XXXX ( Report Confirmation XXXX ). Although the account is listed as open, it reflects continued delinquency reporting into XXXX XXXX XXXX XXXX, despite no recent consumer activity or agreement renewal. These updates include a balance of {$500.00} and a past due amount of {$200.00}. This conduct constitutes illegal re-aging under FCRA 1681c ( a ) ( 4 ), which prohibits furnishing outdated negative information through continued updates to stagnant or inactive accounts. XXXX XXXX is currently reporting the account as 150+ days past due, which grossly exaggerates the severity and recency of the delinquency and misleads potential lenders. This violates FCRA 1681e ( b ), which requires all consumer information reported to be fair, accurate, and not misleading. Furthermore, XXXX XXXX has failed to provide evidence of current consumer engagement or a renewed agreement, rendering the information unverifiable and subject to deletion under FCRA 1681i ( a ) ( 5 ) ( A ). I expressly object to the use of any third-party databases or data brokers, including but not limited to XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX , or similar entities in verifying this account. These sources do not hold original contract documentation and their use would violate FCRA 1681b ( a ), which prohibits non-consensual access to consumer data except for permissible purposes supported by original creditor documentation. Finally, I formally invoke FCRA 1681i ( a ) ( 8 ) and request expedited deletion of this tradeline within three business days, as permitted by law, since the information is materially inaccurate, unverifiable, and harmful. If this is not corrected promptly, I will escalate this matter to the FTC, Office of the Inspector General, and any other appropriate federal authorities.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing entirely the reporting of an open XXXX  XXXX account status with a balance of {$500.00} as shown on XXXX ( Report Number XXXX ) and Equifax ( Report Confirmation XXXX ). Although the account is listed as open, it reflects continued delinquency reporting into XXXX XXXX XXXX XXXX, despite no recent consumer activity or agreement renewal. These updates include a balance of {$500.00} and a past due amount of {$200.00}. This conduct constitutes illegal re-aging under FCRA 1681c ( a ) ( 4 ), which prohibits furnishing outdated negative information through continued updates to stagnant or inactive accounts. XXXX XXXX is currently reporting the account as 150+ days past due, which grossly exaggerates the severity and recency of the delinquency and misleads potential lenders. This violates FCRA 1681e ( b ), which requires all consumer information reported to be fair, accurate, and not misleading. Furthermore, XXXX XXXX has failed to provide evidence of current consumer engagement or a renewed agreement, rendering the information unverifiable and subject to deletion under FCRA 1681i ( a ) ( 5 ) ( A ). I expressly object to the use of any third-party databases or data brokers, including but not limited to XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX or similar entities in verifying this account. These sources do not hold original contract documentation and their use would violate FCRA 1681b ( a ), which prohibits non-consensual access to consumer data except for permissible purposes supported by original creditor documentation. Finally, I formally invoke FCRA 1681i ( a ) ( 8 ) and request expedited deletion of this tradeline within three business days, as permitted by law, since the information is materially inaccurate, unverifiable, and harmful. If this is not corrected promptly, I will escalate this matter to the FTC, Office of the Inspector General, and any other appropriate federal authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I had some issues related to fraud around the time of XXXX. I contacted cashapp via Email and couldnt get it resolved so I stopped using cash app as its not trustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
The company shows on my caller ID as XXXX XXXX. The number is XXXX. It is always a pre-recorded message giving me a phone number to call back. When I call it, it disconnects after the first ring. This has been going on for a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I 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