vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$250.00} UNAUTHORIZED INQUIRIES : CXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Ever since I had venmo I had problems I am not rich I am a XXXX XXXX and I use XXXX XXXX XXXX acct, PayPal bank acct, XXXX XXXX, they won't let me add money off any of those debit cards only some of the bank accounts with a 5 day waiting period I mean what is the point in moving money if you have to wait 5 days unless you are a XXXX XXXX? I send money to family and vice versa and sometimes I need it that day or my kids need it that day I have XXXX XXXX XXXX XXXX XXXX XXXX  they have cars and XXXX  etc. Anyway I stopped using it and needed it today for a small thing so I tried to delete 3 cards and added my step card which is a card that I have with my son I sponsor his teen account and I have an adult account with step a credit card to build credit and they would not let me add money after I added the card not even with the 3 percent fee. Okay fine. Then tonight I buy a prepaid PayPal card at the store for a small amount of money we are talking {$20.00} here and I go to add the card to Venmo it's just as good as a debit card and they do accept these types of cards by the way. They give me an error saying you have tried to add too many cards!!! This is my second added card today one was credit and one was prepaid what was I supposed to do when you turn down my credit card? I think there is some discrimination going on here with Venmo and myself is what I really think is going on. I have a history and I am not perfect but I am no kind of online financial crime artist or anything. I have a criminal history over 10 years ago but nothing since then. I think Venmo has it out for me is what it really is and it's starting to affect my mental health a little bit. So they better loosen up the rains on there internal controls around my account because I am about to call the attorney general in every single state in the country and mention that they don't accept dasher direct and they don't accept PayPal? There own company? They don't accept transactions from there own company what is that all about some kind of intercompany rule that the XXXX XXXX XXXX XXXX put into place? Seems like it would be easy for PayPal and venmo to accept each other 's transactions they would trust each others system and controls in place don't you think? 
What is up with Venmo not letting me get any of my money online? XXXX seriously. My startup is coming in the next couple years so they better watch out and if it doesn't work out I am going to work for the government in compliance no matter my record still got 16 years of CPA work and controller/CFO work under my belt. Send this to Venmo. Tell them XXXX XXXX has their attention

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: OH

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
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 2025-01-06 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: MI

Complaint narrative:
I am filing this complaint regarding the inconsistent reporting of the closed date for an XXXX XXXX account ( Account # XXXX ) on my credit reports from XXXX and Equifax. Both credit bureaus have verified and updated the account as accurate, yet the reported closed dates differ significantly : XXXX reports the closed date as XX/XX/XXXX. 
Equifax reports the closed date as XX/XX/XXXX. 
This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and raises serious concerns about the accuracy and reliability of the information being reported on my credit file. 

Specifically, the following FCRA provisions are applicable : FCRA Section 623 ( a ) ( 1 ) : Furnishers of credit information must provide accurate and consistent information to credit reporting agencies. Reporting two different closed dates for the same account violates this requirement.

FCRA Section 611 ( a ) ( 1 ) : Credit bureaus are required to conduct a reasonable investigation when disputes are raised. Despite verifying the account as accurate, neither XXXX nor Equifax has resolved the conflicting information. 
FCRA Section 605 ( a ) : Credit bureaus must not report information that is misleading or incomplete, as such inaccuracies harm the consumer 's creditworthiness. 
The inconsistent reporting of this closed date has caused confusion and negatively impacted my credit profile. It creates uncertainty about the accuracy of my credit history and misleads potential creditors who rely on this data. 

I respectfully request that the CFPB investigate the following : Why XXXX and Equifax are reporting different closed dates for the same XXXX XXXX account. 
Whether XXXX XXXX has failed in its responsibilities under FCRA Section 623 by providing conflicting information. 
XXXX removal of the XXXX account from my credit reports due to its inaccurate and misleading reporting. 
To support my claim, I have included the following : Copies of my credit reports from XXXX and Equifax highlighting the conflicting closed dates for the XXXX account. 
Any correspondence I have had with XXXX, Equifax, and XXXX XXXX regarding my prior disputes. 
The continued presence of this inaccurate information on my credit reports is unacceptable and requires immediate action. I respectfully request the removal of this account from my reports and enforcement of my rights under the FCRA. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide updates as your investigation progresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-06 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 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  XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-06 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: FL

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 XXXX XXXX XXXX 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 2025-01-06 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 have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt nor therefore any such debt in fact, therefore exist ( Please remove this account before I seek litigation for defamation of character ). XXXX  balance {$160.00}, XXXX XXXX XXXX  balance {$100.00}, XXXX XXXX XXXX XXXX balance {$11000.00}, XXXX XXXX XXXX balance {$700.00}, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/year>, XXXX XXXX  XX/XX/scrub>/2024, XXXX XXXX XXXX/XXXX/2024, XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX  XX/XX/year>2024, XXXX XXXX  XX/XX/scrub>/2024 XXXX  XXXX/XXXX/2024, XXXX XXXX XXXX/XXXX/2024, XXXX XXXX/XXXX/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024 XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt nor therefore any such debt in fact, therefore exist ( Please remove this account before I seek litigation for defamation of character ). XXXX  balance {$160.00}, XXXX XXXX XXXX  balance {$100.00}, XXXX XXXX XXXX XXXX balance {$11000.00}, XXXX XXXX XXXX balance {$700.00}, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX  XX/XX/scrub>/2024, XXXX XXXX  XXXX/XXXX/2024 XXXX  XX/XX/scrub>/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX  XXXX/XXXX/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX  XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX, XXXX XX/XX/scrub>/2024 , XXXX XX/XX/scrub>/2024, XXXX XXXX/XXXX/2024 XXXX XXXX  XXXX/XXXX/2024, XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX/XXXX/2024

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 2025-01-06 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-06 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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I, XXXX XXXX AM A VICTIM OF IDENTITY THEFT. 
THE INQUIRES ON MY CREDIT REPORT WHICH IS UNAUTHORIZED. I WOULD LIKE FOR THE INQUIRES TO BE REMOVED ALONG WITH UNAUTHORIZED INQUIRIES. I ALSO WAS AFFECTED BY XXXX XXXX BREACH. MY PERSONAL INFORMATION WAS LINK AND FOUND ON DARK WEB. I HAVE ATTACH MY POLICE REPORT ALONG WITH FTC 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 2025-01-06 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: NY

Complaint narrative:
I am writing to dispute the hard inquiries listed on my Transunion credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries : XXXX Inquiry date XX/XX/year> XXXX Inquiry date XX/XX/year> XXXX Inquiry date XX/XX/year> XXXX Inquiry date XX/XX/year> XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX Inquiry date XX/XX/year> I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditors above on the dates specified.

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 2025-01-06 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$350.00} UNAUTHORIZED INQUIRIES : XXXXXXXX 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 explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-01-06 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation