vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: DE

Complaint narrative:
I have information in my consumer report that doesnt belong to me. I have attached documentation showing that I was XXXX  at the time of these transactions. I am a victim of identity theft. And this is not a third party filing this complaint .This is a Violation of 18 usc 1028 Please review attached documents and remove immediately. 
Thank you.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have been using the XXXX debit card for about a year now. I have loved the convenience and customer service of XXXX up until this point. However, after being a loyal customer for over 10 years, they have suspended my account and are holding over {$6000.00} from me. 

I had been getting my work checks direct deposited into my XXXX debit account and I also received XXXX XXXX XXXX refund in that account this week. 

All of a sudden, after my college refund hit my account on XX/XX/year>, it was frozen and I needed to confirm my identity. I submitted multiple forms of ID but woke up to an email saying my account has been permanently suspended and that they are going to hold on to my {$6200.00} for loss prevention for 180 days and that they will contact me IF my funds are ever available for transfer in the future. 

That is all of the money I have. That is my house payment, my medication, XXXX XXXX XXXX food for my family, everything. They have chosen to lock it and keep it from me. 

I can be done with XXXX but I must get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: IL

Complaint narrative:
On XX/XX/XXXX I received a text from Frost Arnett saying I owed and to check account. I clicked the link it said my name accountand it showed amounts in the payment option field. I didn't know what it was for. 

XX/XX/XXXX I called Frost Arnett spoke to a rep who said I needed my daughters permission to speak on her behalf I offered to email the POA they said they don't have an email for that. I called my daughter and she spoke to the rep and wanted to give permission but they said they cant take her permission over the phone while I was on with her? We hung up XX/XX/XXXX I called rep back she said she can't give me any information on the account even tho I'm the one the billing text was sent to and the account is in my name and my daughter she said they needed permission from was literally on the phone previously. She said I have to contact them thru their website. 

I have never received any mail or email communication from them regarding this and I have no idea what the debt is for as I've paid my share of my daughters medical from the divorce decree already directly to her providers. 

It is frustrating that I'm being billed for something and have no clue what for exactly and they won't tell me what it is but will text me a link to pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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.

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 finishers, accepting unreliable responses, and failing to adequately notify customers 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 dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Remove all accounts reported.

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 2025-02-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-11 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: AR

Complaint narrative:
I contacted Experian ( XX/XX/year> ) because I did a dispute for addresses that were not associated to me. XXXX told me she was not able to take the addresses off my credit report because there are accounts associated with the addresses. I proceeded to tell her I have no recollection of the accounts and I would like to dispute them as well. I was told I couldn't. I've contacted XXXX and XXXX via phone call and they were successfully able to removed all the addresses that were not mine. I do not appreciate being lied to over the phone about the removal of addresses because they want to keep reporting incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I needed cosmetic dental work done and my dentist applied for XXXX dentist credit card on my behalf. I received XXXX credit balance to use at the dentist. I paid half the credit back then they used a XXXX interest on the loan. Making my balance double. I was never aware of such a high interest rate. I wouldve never agreed to take out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: AL

Complaint narrative:
I have told them multiple times that I do not owe them money and I did not agree for them to sell my information to a debt collector. Ive also told them to stop calling me and Ive blocked numbers because theyve called me so much and they continue to use different numbers to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: MO

Complaint narrative:
XXXX XXXX would not clear me for XXXX even thought I got documents from XXXX  and XXXX clearing for my XXXX. In the meantime, I was able to obtain clearance from another XXXX and followed through with the procedure. They refused to refund my deposit, I disputed it with Chase. Chase stated that they are unable to recover the charges due to the company stating they are still able to provide the service. XXXX XXXX is requesting that I pay another deposit because disputing the first deposit forfeited. Therefore, they will not render the service until they get more money from me. 
Chase is unable to help me recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As I was going through my credit profile I noticed I had some inquiries that do not belong to me.

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 2025-02-11 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: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Notice of FCRA Violation Failure to Verify, Validate, and Provide Proof of Late Payment Reporting Dear Experian and XXXX, I am writing to formally dispute the inaccurate reporting of a late payment on my XXXX XXXX XXXX XXXX account, ending in XXXX. I have never been late on this account, and despite my repeated requests for verification and validation, both Experian and XXXX have failed to provide proof of the alleged late payment or the specific steps taken during the investigation. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccurate information. Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy in consumer reports. Your failure to provide supporting documentation or a reasonable basis for continuing to report this erroneous late payment is a direct violation of these provisions. 

As a result of your failure to comply with the FCRA, I am requesting the immediate deletion of this inaccurate late payment from my credit report. Furthermore, I demand a detailed explanation of the investigation process, including : 1. The method used to verify the late payment with XXXX XXXX XXXX XXXX. 
2. The documentation received from the creditor proving the alleged delinquency.

3. A description of the steps taken to ensure compliance with FCRA requirements.

If this matter is not resolved within 15 days, I will be left with no choice but to escalate my complaint by filing a formal grievance with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will consider pursuing legal action for your failure to comply with federal law. 

Please respond in writing to confirm the removal of this inaccurate late payment and provide all requested documentation. You XXXX send your response to my mailing address listed above or via email. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address 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 2025-02-11 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 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 2025-02-11 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 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 2025-02-11 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: PA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: SC

Complaint narrative:
****Experian has a collection on my account with XXXX XXXX XXXX XXXX creditor : XXXX XXXX  with Account number XXXX. I have sent them XXXX letters since XXXX of 2024, I also advised them the signature on this account is not my signature it is a digital signature. This is a violation of my consumer rights and have asked them several times to remove these items. 
*XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX **** Equifax has a collection on my account with XXXX XXXX XXXX /Original creditor : XXXXXXXX XXXX XXXX Account number XXXX. I have sent them XXXX letters since XXXX of 2024, I also advised them the signature on this account is not my signature it is a digital signature. This is a violation of my consumer rights and have asked them several times to remove these items. Also they have XXXX XXXX XXXX/Original creditor : * XXXX XXXXXXXX XXXX  XXXX XXXX on my account and it was removed but was placed back on their. This account number is XXXX ****Transunion has a collection on my account with XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Account number XXXX. I have sent them XXXX letters since XXXX of 2024, I also advised them the signature on this account is not my signature it is a digital signature. This is a violation of my consumer rights and have asked them several times to remove these items. Also on this report is *XXXX Original creditor : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX *XXXX Original creditor : XXXX XXXX XXXX Account number 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 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made XXXX disputes with XXXX different companies, XXXX was XXXX because they cancelled my flight and did not return my money and they cancelled my membership for consulting the bank, the other is against XXXX, from which I bought merchandise and it was defective, they did not want to receive it, much less return my money and they refuse to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
On or about XX/XX/XXXX, Bayview Loan Servicing , LLC. obtained a judgement for foreclosure by submitting false information to the trial court. Among other wrong doing by the XXXX XXXX, they got a judgement for over {$52000.00}. I brought the case to the United States Federal Court for XXXX XXXX XXXX XXXX Pennsylvania. Bayview Loan Servicing , LLC changed its name to Community Loan Servicing, LLC aka CLS without letting me know or the courts. 
On XX/XX/XXXX, Bayview Loan Servicing , LLC sold the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased the loan. 
XXXX XXXX XXXX continued through the years trying to collect on the over {$52000.00}. I had to continued writing appeals to no avail. They challenged all appeals, including on the Courts of Appeals for the Third Circuit. They never admitted that they sold the mortgage. Never try to withdraw the case and continued all the way till XX/XX/XXXX lying to the courts about the mortgage. They have taken advantage of me because, I can not afford an attorney and people have promoted hate crimes against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-11 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Due to my privacy rights and protections, i feel that my personal information was violated and given by the Presidents department of XXXX and XXXX XXXX. They have violated several laws which pertains to my rights to privacy.

Company response to consumer: Closed with explanation