vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently reviewed my credit report and seen fraudulent accounts on my credit report. Please remove the fraudulent account for it is hindering me from obtaining future credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am filing a formal complaint regarding an outdated and inaccurately reported account from XXXX Bank XXXX XXXX on my XXXX credit report. The account shows a balance of {$2400.00}, but also lists the highest balance ever as {$0.00}, which is contradictory and inaccurate. 

The last payment on this account was made in XX/XX/year>. It is now over XXXX XXXX XXXX, and the statute of limitations in my state has expired. I have not made any payments or acknowledged the debt since then, and I am not requesting to pay it. I simply want this obsolete, inaccurate item removed. 

The account is currently marked as Consumer disputes - reinvestigation in progress, yet it has remained unchanged for an extended period of time. Given the combination of its age, the reporting error, and the fact that it is not collectible, I am asking that this account be deleted entirely from my credit file. 

What I want to happen : I am requesting the immediate deletion of this account from my credit report due to : Reporting inconsistencies ( i.e., balance due vs. highest balance of {$0.00} ) Expired legal collection window Failure to properly update after investigation The age of the account negatively impacting my credit profile without justification If it can not be verified or corrected with accurate data, it must be removed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I pulled my reports and saw some fraudulent hard inquiries and I need them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I owned a small business from XXXX and employed XXXX female assistant in XXXX. She was what I thought a loyal and capable assistant/partner in my business. However, in by XXXX it was evident she was stealing money from company funds and not small amounts either. I gathered evidence over most of the last-half of XXXX and early XXXX. In XX/XX/XXXX I took my video and financial evidence to the police in my small town. They agreed I had a case for calling all debt collectors and advising them what happened to allow them to absolve me or my business of any responsibility for nearly XXXX in credit card debt. Nearly all those companies who suffered from her fraud, did NOT attempt to collect payment from me or my business. However, XXXX company has been restless with its pursuit of my debt to them propagated by her fraud. That is Portfolio Recovery. Just yesterday they sent me another notice some 6 years and 3 months post fraud and this time when I spoke to their representative I was told they would ( and I quote ) : Come after every XXXX of my XXXX until their debt was settled, further he went on to state that quote, No one here at this company in a decision making capacity believes you are XXXX and not working, heck we checked your income its over XXXX. No one earns that kind of coin on XXXX pay. I tried to assure him and offered what little proof I have, but no. I was threatened with a lawsuit despite the default being almost XXXX years agoI dont believe that Portfolio Recovery can take me to court after this much time but wanted to double check with the expertsMany Thanks! 
XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-09 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-09 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:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On today I have spoken with a supervisor by the name of XXXX whom has access to my online account I uploaded documents on XX/XX/XXXX which were as follows a FTC report an affidavit stamped and signed and a written police that states the fraudulent accounts listed which were as follows XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX upon speaking with a representative before I was transferred to the supervisor she stated that I would be contacted within XXXX hours so I demanded to speak with a supervisor or I was going to contact the cfpb and set up an lawsuit with there company they have tarnished my character since XXXX they never remove fraudulent things from the account when documents as proof has been sent either by certified mail and online

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 2025-04-09 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
On today I have spoken with a supervisor by the name of XXXX whom has access to my online account I uploaded documents on XX/XX/XXXX which were as follows a FTC report an affidavit stamped and signed and a written police that states the fraudulent accounts listed which were as follows GM financial, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX upon speaking with a representative before I was transferred to the supervisor she stated that I would be contacted within XXXX hours so I demanded to speak with a supervisor or I was going to contact the cfpb and set up an lawsuit with there company they have tarnished my character since XXXX they never remove fraudulent things from the account when documents as proof has been sent either by certified mail and online

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NY

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 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 2025-04-09 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-09 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-04-09 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: Dakota Financial, LLC
State: GA

Complaint narrative:
I received an email that a hard inquiry was added to my XXXX account by Dakota Financial and I had not authorized this. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Our loan got transferred from XXXX to Lakeview Loan Servicing LLC ( XXXX XXXX ) on XX/XX/XXXX which gave us a 60 day grace period to submit payment for XXXX and XXXX. Reasoning for us to delay our mortgage payment was because XXXX had our wrong address on file resulting in several lender placed insurance policies as well as incorrect property tax projections that led to our mortgage going from {$3600.00} to $ XXXX. We used these 60 days to update our property address with XXXX and after this, we requested an escrow analysis, which brought our mortgage payment down to approx {$4400.00}. 

In every single call ( recorded ), the XXXX team not only assured us that there wouldnt be any negative credit impact on our files but also confirmed that we had until XX/XX/XXXX to submit payment without late fees and any negative credit reporting. 

After submitting full payment on XX/XX/XXXX, I woke up to a XXXX drop on my credit file. 

We have reached out to their team requesting these transcripts but they wont release without subpoenas. In addition, management stated that even if their representative was incorrect in giving us that information ( multiple reps said this ), that they were confident that our negative credit impact would remain. 

How do we go about this?

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 2025-04-09 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:
Upon reviewing my payment records, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal engaged in deliberate and fraudulent behavior after I filed a dispute regarding missing credits and unauthorized activity on my account. Upon initiating my dispute in XXXX, I noticed that instead of investigating or responding in good faith, PayPal altered the entire transaction history on my account. The dates of several transactions were forgedmanipulated to make it appear as if I had withdrawn funds before the dispute was even initiated.

PayPal fabricated transaction records to falsely suggest that I received a credit and then withdrew it on or before the date I filed the dispute, which is impossible and entirely fraudulent. The credits they claimed to have issued were supposedly withdrawn before I even had a chance to review their status or respond to them. How could I dispute a charge and also withdraw the funds before I even filed the dispute? 

Furthermore, my bank statements clearly prove that I never withdrew any of the funds PayPal claimed I did. The debit card allegedly used for the withdrawal shows no such transactions. There is no record on my bank account of receiving or withdrawing those funds at any time.

Every time I attempted to call PayPal and get clarity on the issue, I was either hung up on, disconnected, or told with no investigation that I had already withdrawn the money. This repeated behavior demonstrates a pattern of deception, cover-up, and intentional obstruction. They refused to provide validation of the alleged transactions, and they retaliated against my dispute by erasing, editing, or forging transaction records in their internal system to make it appear as if they had no responsibility.

This is not only fraud and document tampering, but it also amounts to conversion of funds, refusal to validate debt, deceptive business practices, and intentional infliction of harm. I request that PayPal be investigated for the manipulation of financial records, failure to validate disputes, and the theft of funds through forged documentation. Their own statements dont even match the forged documents transaction history proving a sloppy attempt to manipulate money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-09 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-09 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: NY

Complaint narrative:
I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to seek their assistance in resolving this issue.

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 2025-04-09 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 will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to seek their assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate. 
Delete the accounts below 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

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