vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the late payment reported on my Truist account and to request its immediate removal from my credit report due to procedural failures and miscommunication on the part of your institution. 

I opened this account in XXXX and, within the same month, processed a balance transfer. Shortly thereafter, my account was abruptly blocked and closed under suspicion of fraud. Despite confirming the validity of the activity, I was denied access to my online portal. As my account was set up for electronic statements only, I had no visibility into my billing status and was forced to rely on customer service calls for updates. 

On XX/XX/XXXX, I was contacted and informed that my account was past due. I immediately remitted a payment of {$180.00}, covering both the past due and new statement balances. During that same call, I requested enrollment in automatic payments and provided my bank account information to ensure no further disruptions. 

Tragically, at the end of XXXX, my father passed away, and I was left to manage his estate. Believing my account was on autopay per my previous conversation with your agent, I had no reason to expect any further issues. 

In XXXX, I applied for a mortgage to refinance my late fathers home as outlined in his will. On XX/XX/XXXX, I was informed by the lender that my credit score had sharply declined, rendering me ineligible and putting the property at risk. Upon investigation, I learned this was due to a delinquent payment reported by Truist. I immediately made a payment of {$270.00} and was directed to contact your credit department for resolution.

This situation was entirely preventable. Your institution : Closed my account without cause despite confirmation of legitimate activity, Denied me online access and failed to provide mailed statements, Accepted my autopay request and banking details but evidently did not activate the service.

I am requesting that this late payment be removed from my credit report as I acted in good faith, made timely payments when informed, and reasonably believed that autopay had been established as instructed. The consequences of this mismanagement have jeopardized a significant financial matter, and I urge you to rectify this reporting error promptly.

Please confirm receipt of this letter and advise on next steps. I am prepared to escalate this matter through the appropriate regulatory channels if necessary.

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 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I wrote to this collection company to try and collect more information in a letter, waited more than 30 days and did not receive a response. I kept receiving emails and phone calls but never received any verification or information proving this debt was mine. As a result I am demanding this collection be removed from all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX My only employer is XXXX  I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are 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 explanation
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened 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 2025-04-18 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: NY

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Complaint Summary : I am XXXX XXXX XXXX XXXX XXXX XXXX I am reporting unauthorized transactions totaling approximately {$3500.00} on my PayPal account. These charges occurred between XX/XX/XXXX and XX/XX/XXXX and include significant expenditures to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX of Events : XX/XX/XXXX : My original PayPal account ( XXXX ) was compromised when an unauthorized phone number was added, leading to loss of access. 

XX/XX/XXXX : Unable to access my original account and unaware of any suspicious activity, I created a new PayPal account using XXXX for personal and business use. 

XX/XX/XXXX : Upon noticing unauthorized charges, PayPal provided a secure recovery link. I regained access to my original account, removed the unauthorized phone number, and discovered the aforementioned unauthorized transactions. 

Disputed Transactions : XXXX : Multiple charges totaling {$3200.00} between XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX : XXXX charges of {$50.00} each on XX/XX/XXXX and XX/XX/XXXX. 
XXXX Eats : Charges totaling {$120.00} on XX/XX/XXXX. 

Bitcoin Liquidation : Unauthorized transactions totaling {$250.00}. 

Actions Taken : I reported these unauthorized transactions to PayPal. However, PayPal denied my claims, stating there was " no evidence '' of unauthorized use, despite clear indications of account compromise. 

XXXX XXXX : A thorough investigation into the unauthorized transactions on my PayPal account. 

Reimbursement of the disputed amount totaling approximately {$3500.00}. 

Implementation of enhanced security measures to prevent future unauthorized access. 

I am prepared to provide any additional documentation or information required to support this complaint. 

Sincerely, XXXX XXXX XXXX, MD Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
I recently submitted a dispute to Equifax for a XXXX XXXX account please cancel dispute Equifax. Please and thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the late payment reported on my XXXX account and to request its immediate removal from my credit report due to procedural failures and miscommunication on the part of your institution. 

I opened this account in XXXX and, within the same month, processed a balance transfer. Shortly thereafter, my account was abruptly blocked and closed under suspicion of fraud. Despite confirming the validity of the activity, I was denied access to my online portal. As my account was set up for electronic statements only, I had no visibility into my billing status and was forced to rely on customer service calls for updates. 

On XX/XX/XXXX, I was contacted and informed that my account was past due. I immediately remitted a payment of {$180.00}, covering both the past due and new statement balances. During that same call, I requested enrollment in automatic payments and provided my bank account information to ensure no further disruptions. 

Tragically, at the end of XXXX, my father passed away, and I was left to manage his estate. Believing my account was on autopay per my previous conversation with your agent, I had no reason to expect any further issues. 

In XXXX, I applied for a mortgage to refinance my late fathers home as outlined in his will. On XX/XX/XXXX, I was informed by the lender that my credit score had sharply declined, rendering me ineligible and putting the property at risk. Upon investigation, I learned this was due to a delinquent payment reported by XXXX. I immediately made a payment of {$270.00} and was directed to contact your credit department for resolution. 

This situation was entirely preventable. Your institution : Closed my account without cause despite confirmation of legitimate activity, Denied me online access and failed to provide mailed statements, Accepted my autopay request and banking details but evidently did not activate the service.

I am requesting that this late payment be removed from my credit report as I acted in good faith, made timely payments when informed, and reasonably believed that autopay had been established as instructed. The consequences of this mismanagement have jeopardized a significant financial matter, and I urge you to rectify this reporting error promptly. 

Please confirm receipt of this letter and advise on next steps. I am prepared to escalate this matter through the appropriate regulatory channels if necessary.

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 2025-04-18 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the late payment reported on my XXXX account and to request its immediate removal from my credit report due to procedural failures and miscommunication on the part of your institution. 

I opened this account in XXXX and, within the same month, processed a balance transfer. Shortly thereafter, my account was abruptly blocked and closed under suspicion of fraud. Despite confirming the validity of the activity, I was denied access to my online portal. As my account was set up for electronic statements only, I had no visibility into my billing status and was forced to rely on customer service calls for updates. 

On XX/XX/XXXX, I was contacted and informed that my account was past due. I immediately remitted a payment of {$180.00}, covering both the past due and new statement balances. During that same call, I requested enrollment in automatic payments and provided my bank account information to ensure no further disruptions. 

Tragically, at the end of XXXX, my father passed away, and I was left to manage his estate. Believing my account was on autopay per my previous conversation with your agent, I had no reason to expect any further issues. 

In XXXX, I applied for a mortgage to refinance my late fathers home as outlined in his will. On XX/XX/XXXX, I was informed by the lender that my credit score had sharply declined, rendering me ineligible and putting the property at risk. Upon investigation, I learned this was due to a delinquent payment reported by XXXX. I immediately made a payment of {$270.00} and was directed to contact your credit department for resolution. 

This situation was entirely preventable. Your institution : Closed my account without cause despite confirmation of legitimate activity, Denied me online access and failed to provide mailed statements, Accepted my autopay request and banking details but evidently did not activate the service.

I am requesting that this late payment be removed from my credit report as I acted in good faith, made timely payments when informed, and reasonably believed that autopay had been established as instructed. The consequences of this mismanagement have jeopardized a significant financial matter, and I urge you to rectify this reporting error promptly. 

Please confirm receipt of this letter and advise on next steps. I am prepared to escalate this matter through the appropriate regulatory channels if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the late payment reported on my XXXX account and to request its immediate removal from my credit report due to procedural failures and miscommunication on the part of your institution. 

I opened this account in XXXX and, within the same month, processed a balance transfer. Shortly thereafter, my account was abruptly blocked and closed under suspicion of fraud. Despite confirming the validity of the activity, I was denied access to my online portal. As my account was set up for electronic statements only, I had no visibility into my billing status and was forced to rely on customer service calls for updates. 

On XX/XX/XXXX, I was contacted and informed that my account was past due. I immediately remitted a payment of {$180.00}, covering both the past due and new statement balances. During that same call, I requested enrollment in automatic payments and provided my bank account information to ensure no further disruptions. 

Tragically, at the end of XXXX, my father passed away, and I was left to manage his estate. Believing my account was on autopay per my previous conversation with your agent, I had no reason to expect any further issues. 

In XXXX, I applied for a mortgage to refinance my late fathers home as outlined in his will. On XX/XX/XXXX, I was informed by the lender that my credit score had sharply declined, rendering me ineligible and putting the property at risk. Upon investigation, I learned this was due to a delinquent payment reported by XXXX. I immediately made a payment of {$270.00} and was directed to contact your credit department for resolution. 

This situation was entirely preventable. Your institution : Closed my account without cause despite confirmation of legitimate activity, Denied me online access and failed to provide mailed statements, Accepted my autopay request and banking details but evidently did not activate the service.

I am requesting that this late payment be removed from my credit report as I acted in good faith, made timely payments when informed, and reasonably believed that autopay had been established as instructed. The consequences of this mismanagement have jeopardized a significant financial matter, and I urge you to rectify this reporting error promptly.

Please confirm receipt of this letter and advise on next steps. I am prepared to escalate this matter through the appropriate regulatory channels if necessary.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been a victim of an identity theft, and for many years I have tried to dispute the fraudulent accounts and I have checked with fair trade commission the negative accounts should be removed after 7 years of becoming negative. These accounts are reporting for over 7 years and plus. Again not only these are fraudulent accounts they are also very old accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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