vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my [ Equifax ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX. I also have the following fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XX/XX/XXXX. 

Please remove these from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Under 15 U.S.C. 1681c-2 ( a ), you are required to block this information within four ( 4 ) business days of receiving this request. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
COMPLAINT TO CFPB FRAUDULENT ACCOUNT NOT MINE, REPORTING CHARGE-OFFS IN VIOLATION OF FCRA 1681e ( b ), 1681i, AND IDENTITY PROTECTION LAWS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) COMPLAINT : ACCOUNT NOT MINE REPORTED CHARGE-OFFS VIOLATE FCRA AND IDENTITY PROTECTION LAWS Dear CFPB, I am submitting a formal complaint regarding a XXXX XXXX XXXX credit card account ending in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, which has been inaccurately reported on my credit file across all three major credit bureaus ( XXXX, XXXX and TransUnion XXXX as charged-off and delinquent. 

I hereby state that this account does not belong to me. I do not recognize this account, I have never authorized it, and it was not opened by me. It may be the result of identity theft, misattribution, or data compromise. 

Account Overview : Creditor XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Closed : TransUnion shows XX/XX/XXXX Balance : {$2500.00} Status : In Dispute with all three bureaus Reported Delinquencies : 30, 60, and 90+ day lates plus COs Last Payment Date : Varies across bureaus ; inconsistent data Payment History : Negative from XXXX, despite unverified ownership VIOLATIONS OF THE LAW : FCRA 1681e ( b ) Accuracy Obligations Requires credit bureaus to ensure " maximum possible accuracy. '' Reporting a fraudulent or unauthorized account with charge-offs and multiple late payments without proper verification directly violates this requirement.

FCRA 1681i Dispute Investigation and Deletion If an account is disputed and can not be verified as belonging to the consumer, the law requires the item to be deleted within 30 days. This account remains on my report despite already being disputed since at least XX/XX/XXXX. 

FCRA 1681s-2 ( b ) Furnisher Duties The creditor ( XXXX XXXX XXXX ) is required to investigate disputed data and must inform all CRAs of necessary updates or removals. The continued reporting suggests that no proper investigation has been completed.

Identity Theft Laws/ Data Breach Protections If this account was created fraudulently or from unauthorized use of my personal information, it could fall under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) and various state-level data breach reporting laws, depending on how this information was accessed or misused.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.

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 2025-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am filing this new complaint as a continuation and escalation of CFPB XXXX # XXXX and # XXXX, which was prematurely closed without resolution. Since that time, I have obtained clear and documented evidence that directly disputes the mortgage servicers response and reveals ongoing errors, misrepresentations, and regulatory violations related to escrow handling, insurance charges, and loan modification terms. 

Specifically : 1. I made full escrow payments in XXXX, XXXX, and XX/XX/XXXX, which were reversed or placed in Unapplied Funds by Mr. Cooper, yet they still claimed I had an escrow shortage. 
XXXX. I had active XXXX homeowners insurance since XX/XX/XXXX, yet Mr. Cooper force-placed duplicate hazard insurance, which was billed through escrow and used to inflate my payment. 
XXXX. I was misled into a XXXX forbearance and a permanent loan modification with a {$82000.00} second lien, without proper disclosure or understanding. 
XXXX. I have also identified that my original lender, XXXX XXXX MXXXX properly set up escrow, and my closing documents prove I prepaid insurance and taxes that Mr. Cooper failed to credit. 

I am attaching a full rebuttal letter along with exhibits including : Original loan note Closing disclosures Proof of insurance Payment history Mr. Coopers own letters My handwritten call notes This is a pattern of servicing abuse, escrow fraud, and financial harm, and I am requesting this complaint be investigated thoroughly, with accountability and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint after several months of tryingunsuccessfullyto resolve a dispute through PayPals customer service. I purchased an item through PayPal, and after communication with the seller, they agreed to a full refund if I returned the product. I shipped the item back at my own expense and provided PayPal with the return tracking information as requested.

Despite fulfilling every requirement, my dispute was denied. I have repeatedly contacted PayPal by phone and through their Resolution Center, and each time I am either told to wait, given vague responses, or redirected to someone else who does not resolve the issue. It has been an emotionally exhausting and frustrating process.

I have now lost {$80.00}, even though I returned the product and provided proof of shipment and delivery. This outcome is not only unfair, but it reflects a serious failure in PayPals buyer protection process.

I am requesting a full refund of {$80.00} and a review of my case by a supervisor or dispute resolution specialist who can actually address the facts and documentation I provided.

I am also requesting that PayPal improve transparency in its dispute resolution process and communication with customers. 

Amount in dispute : {$51.00} for the product and XXXX $ for the return shipping Case/Transaction ID XXXX Date of original transaction : XX/XX/XXXX Date of return shipment : XX/XX/XXXX Tracking number : XXXX Seller info : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: Torres Credit Services, Inc.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 605B 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 non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I assert that the information listed above is inaccurate and/or unverifiable. And have attached proof that these accounts are only reporting to Experian. Which means that this account is IMPOSSIBLE to verify. And there is NO promissory note. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], you are obligated to conduct a reasonable investigation into my dispute. If the information is found to be inaccurate or can not be verified, you are required to promptly delete it from my credit report.

I would also like to bring to your attention the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian on XX/XX/year>. This lawsuit, as reported by the CFPB, alleges that Experian failed to accurately compile and report credit information, and failed to conduct reasonable investigations of consumer disputes. While this lawsuit specifically names Experian, it underscores the critical importance of credit reporting agencies adhering to the FCRA and ensuring the accuracy and verifiability of the information they maintain and report. This context further emphasizes my expectation that you will conduct a thorough and fair investigation into the inaccuracies I have identified on my 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Hello. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

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 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX account is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the credit bureaus, but they keep saying the information comes back as verified. How can the information be verified or accurate if the credit bureaus are reporting different information? This account is also listed as collections/charge-off, but it has a past due balance. The account should not show a " past due '' status because the debt has already been transferred to collections, and the original creditor no longer reports the debt as " due. '' This is a direct violation of FCRA laws. The following is everything that is reporting differently across the credit bureaus : Date Opened, High Credit, Last Reported, Date Last Active, Date of Last Payment, Two-year payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed that there are fraudulent accounts on my reports. They affect my ability to obtain credit. Please delete all fraudulent accounts immediately.

Company response to consumer: Closed with non-monetary relief