vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
In XX/XX/XXXX, I disputed an inaccurate collection account being reported by XXXX XXXX XXXX on my Experian credit report. This account is related to an auto loan originally held by XXXX XXXX XXXX, which was opened in XX/XX/XXXX. 

The original creditors records show that the Date of First Delinquency ( DOFD ) was XX/XX/XXXX and gave a removal date of XX/XX/XXXX, the account was charged off in XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), the seven-year reporting period should begin from the DOFD, making the removal date XX/XX/XXXX at the latest. 

However, XXXX XXXX XXXX is inaccurately reporting the removal date as XX/XX/XXXX, which extends the reporting period by an additional 10 months beyond the legal limit. It appears they are improperly using the charge-off date rather than the DOFD as the starting point for the reporting period, which is a violation of the FCRA. Despite my dispute, Experian failed to correct this error. 

I am providing supporting documentation, including the original creditors records and the collection agencys reporting, which clearly show the conflicting dates. I am requesting that the CFPB investigate this violation of the FCRA and ensure the inaccurate reporting is corrected.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEXIS XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: SC

Complaint narrative:
I asked for a replacement card because my card had an experation date on it and I can no longer use it. I was told by a business owner a few years back that gift cards can not expire so I definitely didnt think this XXXX XXXX XXXX would expire. They said there was nothing I could do, but I do not think its right that the biggest, richest institutions in XXXX will take money away because it wasnt used in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
I am submitting this complaint to formally demand that Credit Collection Services immediately cease and desist all contact with me, my family, or any other third party regarding the alleged medical debt you are attempting to collect. 

As a 100 % service-connected XXXX XXXX XXXX all my medical care and associated costs are fully covered by the XXXX XXXX XXXX XXXXXXXX XXXX ( VA ) . Therefore, this debt is not legally collectible and is being wrongfully pursued. 

Furthermore, I demand to know how this debt collector obtained any information about this medical matter, as you are not a covered entity under HIPAA, nor do they have legal authorization to access or use any of my protected health information ( PHI ). If this information was provided to Credit Collection Services without my consent, it constitutes a serious violation of federal privacy laws, and I reserve the right to take legal action.

Additionally, this debt collectors continued calls, letters, and contact with my family members are considered harassment under the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting that they cease all communications immediately, as is my right under 15 U.S.C. 1692c ( c ).

Credit Collections Services is also hereby notified that any further attempts to collect on this invalid and uncollectible debt will be considered a willful violation of federal law, including but not limited to FDCPA, HIPAA, and veterans ' rights statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
On XX/XX/year> several of my positive primary accounts were removed from my credit report without explanation or without being disputed by me. Then on the same day, the accounts were added back to my report as new accounts which drop my credit score XXXX point points on TransUnion, XXXX points on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED 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 XXXX XXXX  These accounts has resulted in several 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went back to XXXX last year and returned to the XXXX XXXXXXXX on XX/XX/2025. I found that my Chase bank card could not be used in the ATM. I went to the bank and found that all the cash in my checking account had been stolen, $ XXXX asked the bank for compensation, and the bank agreed to compensate me in full and said they would send me a check. I would receive it in about 7 days or half a month. Later, I didnt receive it, so I called the bank again, and the bank said they could only compensate me for XXXX. They sent me a check, but I waited for half a month, but I didnt receive it. I called the bank again, and the bank said they would contact the branch to confirm my information and send me the check. I went to the branch and asked the branch to contact the bank to confirm my information. The bank said to wait a week and half a month to send me the check. I didnt receive the check again, so I called the bank again, and the bank said they would send me a check. I waited for half a month, but I didnt receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XXXX  me out and making me XXXX Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-03-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My problem is related to an automatic renewal for a product from XXXX, where I have a website and some products. I called XXXX to cancel a product that went up in price from {$100.00} to {$1000.00}. So, I canceled the product and selected a cheaper basic plan. 

XXXX had charged my PayPal account for the automatic renewal charge for their product, which went to my checking account because the XXXXXXXX XXXX that they used had the wrong number. However, I canceled the plan due to the high price, and XXXX immediately refunded the amount of {$1000.00} to my account with PayPal. This transaction was on the XXXX of XX/XX/year>2024. However, PayPal has not taken out the charge for {$1000.00}, although XXXX had already refunded the sum to PayPal, and they did not take out the charge from my checking account at XXXX XXXX XXXXXXXX. 

To sum up, PayPal has received the refunds from XXXX and deposited the funds to my PayPal account. The charge of {$1000.00} is in my bank checking account and has not been refunded by PayPal, although XXXX refunded the amount to PayPal on the XXXX. 

PayPal is saying that I have to pay {$1000.00}, and then they will refund me, even though they received the refund. I do not understand this. Since I do not have the product related to this charge, should PayPal not remove the charge from my XXXX checking account or inform them about the refund? Should PayPal not inform XXXX that the amount of {$1000.00} is a credit and not a charge? 

This financial transaction is unjust because PayPal is not resolving it. I should not be required to pay for a product I never received because I had canceled the product on the same day it was charged. 

XXXX refunded the transaction immediately. However, PayPal charged it to my bank account. PayPal insists that I pay {$1000.00}, and then they will refund me. This issue is a confusing and frustrating situation. 

I'm struggling to understand why PayPal insists that I pay {$1000.00} for a product that I do not have before they refund me. This situation seems illogical and unfair. I'm at a loss as to what they are talking about. I hope we can resolve this issue, and I look forward to your suggestions. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
This account was charged off on the following date ( XX/XX/year>2023 ) since then the account has repeatedly been update as charged off every month. This is an update on payment history. A charge off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights I am demanding a deletion of the following account : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/year> **Consumer Financial Protection Bureau ( CFPB ) ** XXXX XXXX XXXX XXXX , D.C. XXXX **Re : Dispute of Inaccurate Charge-Off Account Reporting for XXXX by XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to dispute the inaccurate charge-off status on my Equifax credit report, which has not been properly investigated in my previous disputes. This is the **fourth** time I am bringing this issue to your attention, and I am deeply concerned that Equifax has failed to conduct a thorough investigation into this account, as required under the Fair Credit Reporting Act ( FCRA ). 

The account in question, *XXXX  XXXX XXXX XXXX XXXX Account # XXXX ), continues to report inaccuracies that are damaging my credit score and violating my rights under the FCRA. Specifically : - ** [ Detail any inaccuracies, such as incorrect charge-off dates, amounts, missed payments, etc. ] ** - ** [ Any other specific errors you have noticed, such as duplicate reporting, incorrect balances, or missing information. ] ** I have previously disputed these inaccuracies and requested that Equifax properly investigate this account, yet the errors have not been corrected. This ongoing failure to accurately report my credit information is a clear violation of my rights, as consumer reporting agencies are required under the FCRA to report information with **maximum accuracy**.

Given the repeated inaccuracies and Equifax 's failure to provide proper investigation results or corrections, I am now demanding that this account be **completely deleted** from my credit report. If this account is not deleted or corrected, I will have no choice but to pursue legal action under the FCRA for continued violations.

Please take the following actions immediately : 1. **Investigate the inaccuracies** associated with the charge-off status and provide evidence of the investigation results.

2. **Correct all inaccuracies** on this account or **delete the account entirely** from my credit report.

3. **Provide written confirmation** that the account has been deleted or corrected and that the FCRA requirements have been met in your investigation.

Failure to resolve this matter will result in legal action, including filing a lawsuit for violations of the FCRA. I expect a prompt resolution and will pursue further steps if necessary.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-21 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 sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I am filing this statement with the FTC to report inaccurate information appearing on my consumer credit report that needs to be corrected. Specifically, the account with XXXX XXXX XXXX , shows a late payment on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhows a late payment on XXXX XXXX XXXX XXXX XXXX which I believe has XXXX reported in error. Also the followinf inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly correct these, ASAP.

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 2025-03-21 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 sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I am filing this statement with the FTC to report inaccurate information appearing on my consumer credit report that needs to be corrected. Specifically, the account with XXXX XXXX XXXX , shows a late payment on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhows a late payment on XXXX XXXX XXXX XXXX XXXX which I believe has XXXX reported in error. Also the followinf inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly correct these, ASAP.

Company response to consumer: Closed with non-monetary relief