vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX  cancelled my last credit card and they refuse to provide me the account number that they are reporting on and are masking it with an account identifier. Even with me giving him my new card information, they are refusing to provide the account which XXXX XXXX is reporting to Transunion. The acct identifier is XXXX. I am am requesting a list of all my account numbers to be mailed to me to compare since the inception of my cards. Please have them provide which account they reported to Transunion on XX/XX/year> report number XXXX. This should be a straight answer, but instead I was on the call with XXXX for 34 minutes and unable to get them to verify which account they are reporting under the alius account.

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 2025-04-23 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: NC

Complaint narrative:
BASICALLY THE CREDIT AGENCIES ARE NOT RESPONDING IN THE TIME THE LAWS ALLOW THEM AND THEY KEEP SENDING STALL TATIC LETTERS SUCH AS THEY CANT SEE THE ID OR THEY NEED PROOF OF RESIDENCY AND ALL THIS WAS SENT AND ALSO FILE AS A COMPLAINT ALL IN XX/XX/year> AND BEFORE. THE COMPLAINT ON THE DISPUTES AND MY CREDIT FILE WAS SENT XX/XX/year> THAT IS OVER 60 DAYS. THIS IS UNACCEPTABLE AND LAW STATES YOU HAVE 30 DAYS MAYBE 45 AND IT HAS NOT BEEN COMPLETED IN THAT TIME FACTOR THEN WHAT EVER IM COMPLAINING ABOUT MUST BE REMOVED AND I EXPECT CFPB TO DO YOUR DIGILENTS AND REQUEST THE REMOVALS OF ALL THAT I REQUESTED TO BE INVESTIGATED.

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 2025-04-23 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: NC

Complaint narrative:
BASICALLY THE CREDIT AGENCIES ARE NOT RESPONDING IN THE TIME THE LAWS ALLOW THEM AND THEY KEEP SENDING STALL TATIC LETTERS SUCH AS THEY CANT SEE THE ID OR THEY NEED PROOF OF RESIDENCY AND ALL THIS WAS SENT AND ALSO FILE AS A COMPLAINT ALL IN XX/XX/year> AND BEFORE. THE COMPLAINT ON THE DISPUTES AND MY CREDIT FILE WAS SENT XX/XX/year> THAT IS OVER 60 DAYS. THIS IS UNACCEPTABLE AND LAW STATES YOU HAVE 30 DAYS MAYBE 45 AND IT HAS NOT BEEN COMPLETED IN THAT TIME FACTOR THEN WHAT EVER IM COMPLAINING ABOUT MUST BE REMOVED AND I EXPECT CFPB TO DO YOUR DIGILENTS AND REQUEST THE REMOVALS OF ALL THAT I REQUESTED TO BE INVESTIGATED.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Revvi Subject : Formal Complaint - Disputed Payment on Account XXXX XXXX XXXX XXXX XXXX  - Payment of {$53.00} on XXXX, XXXXDearSir/Madam, This letter serves as a formal complaint regarding an unfair business practice by Revvi on my creditcard accountnumberXXXX XXXX XXXX XXXXXXXX.Specifically, your company has incorrectly stated that a payment I made XXXX XXXX the amount of $ XXXXwas not received, despite my having successfully submitted this payment. 

I made this payment online via my bank debit card ending in XXXX, which is attached to my regions checking account ending in XXXX. On XXXX, I submitted documentation to your company as proof of this successful payment. This documentation included a valid bank statement and a checking account transaction report. 

Despite providing clear evidence of this payment, your company continues to claim that the payment was not received. This inaccurate claim is now negatively impacting my credit score, which is causing me significant concern and potential financial harm. 

I demand that Revvi immediately investigate this matter thoroughly and take the following actions : Acknowledge and recognize my payment of {$53.00} made on XXXX Correct your records to reflect that this payment was received on time. 
Immediately update this information with all relevant credit reporting agencies ( e.g., XXXX XXXX XXXX  ) to rectify the negative impact on my credit score.

Provide me with written confirmation that these actions have been taken and that my credit report has been updated accordingly.

I expect a prompt resolution to this issue. Failure to correct this error and its impact on my credit score will leave me with no option but to consider further action, including filing complaints with regulatory agencies and potentially seeking legal counsel. 

Please contact me at your earliest convenience at XXXX or XXXX to discuss the resolution of this complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account : Portfolio Recovery # XXXXXXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

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

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
I am submitting this complaint because inaccurate address information continues to appear on my Experian credit report, despite my dispute and request for removal. On or around XX/XX/year>, I disputed several addresses with Experian that do not belong to me and requested full deletion of these incorrect addresses from my credit file. Specifically, the address ( es ) I disputed were listed as variations I clearly explained to Experian that I have never resided at this location. I submitted my government-issued ID and proof of my correct current address to verify my identity, along with a written statement requesting the full removal of the inaccurate address ( es ).

Instead of deleting these addresses, Experian responded by updating the way the addresses were formatted or listed but did not remove them from my credit file as requested. One variation of the address may have been deleted, but other versions remain. Experian did not provide evidence of how they verified the accuracy of these addresses or share which furnisher reported them.

I am concerned that Experian did not conduct a reasonable or thorough investigation as required under the Fair Credit Reporting Act ( FCRA ). Updating formatting is not the same as removing inaccurate information, and my dispute specifically requested deletion, not an update.

The continued presence of these incorrect addresses on my credit file may lead to misidentification, potential fraud risk, and inaccurate credit reporting.

I am asking for assistance in having these addresses fully removed and confirmation that Experian has properly investigated this issue. I also request that Experian provide details on how they verified the disputed information and which company or creditor reported the address. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit was ran multipls times without my consent. I only consented to my XXXX XXXX accessing my credit. There are an additional FIVE creditors that accessed my credit, and are now shown as hard inquiries 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 2025-04-23 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have reached out to XXXX, Experian, Equifax, TransUnion and the Department of Education to provide me with a Master Promissory Note to confirm that the debt listed in the amount of {$8900.00} with a date of XXXX XXXX. I think this debt is far beyond the dates that it should appear on my credit report and I do not believe the debt is mine. Which is why i would like for them to prove it is.

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 2025-04-23 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: MO

Complaint narrative:
I have reached out to XXXX, Experian, Equifax, TransUnion and the Department of Education to provide me with a Master Promissory Note to confirm that the debt listed in the amount of {$8900.00} with a date of XXXX XXXX. I think this debt is far beyond the dates that it should appear on my credit report and I do not believe the debt is mine. Which is why i would like for them to prove it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
b"XXXX- Opened a dispute with XXXX for unauthorized transaction\nXXXX XXXX responded saying the dispute was found in my favor and I would be refunded XXXX\nXXXX- I reached out to XXXX because refund has not been applied to my account.  I was told it would take up to 5 days and to reach back out XXXX.  \nXXXX-  I still had not received the refund from XXXX to my account so I reached back out to them and the assured me the refund was processed back to my card ending in XXXX.  They asked that I reach out to the other institution which is XXXX XXXX in regard to my missing money>\nXXXX I reached out to XXXX.  They say they show no record of any refund being sent to my account and to reach back out to XXXX.  \nXXXX I reach back out to XXXX who again assures me the refund was processed correctly.\nXXXX I ask this be escalated to a manager and am assured one will reach out in 24 hours via email \nXXXX I get no through response from the management team in the promised 24 hours so I reach out again.  I'm given the same response that the refund was processed and to reach out to XXXX XXXX.  I also ask again that a manager contact me since I did not get the response as promised \nXXXX I reach out to XXXX they tell me again they don't see any refund being processed back to my XXXX XXXX  ending in XXXX  and advise me to contact XXXX.\nXXXX I reach back out to XXXX to give them this information.  They provide no resolution\n4-18 I still have not been contacted by XXXX Supervisor/Management.  No one has reached out to me regarding my issue. I call the customer service line and they give me the same information.  I keep telling them I have not received the refund.  \nI provide a screenshot of my account to include all transactions for the month of XXXX.\n\nAs of today XXXX I still have not received my refund.  Both XXXX and XXXX are unwilling to help locate or resolve this.  Its been well over 2 weeks.  I have bills to pay and I need my money.  It's very frustrating when I didn't authrorze the payment to begin with."

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX called several times and left threats of a subpoena or documents to be delivered to me. They called my niece and spoke to her on her cell phone. ( Recorded Conversation ) Sent a Text message to my brother in month of XX/XX/XXXX. Of a threat to subpoena me. XXXX XXXX, threatened to be subpoenaed at my home between the hours of XXXX and XXXX XXXX. XXXX XXXX received a threat over a phone call from XXXX XXXX to have documents delivered never received documents to be signed. At home all day, taking care of my sick mother. I am her caretaker. Now, what XXXX XXXX XXXXXXXX plan to do is slip the court documents into COURT and NEVER PRESENT THEM TO ME. And CLAIM THAT I DENIED, HID, or SKIPPED OUT ON BEING SERVED! I am more than ready for my day in COURT. I will need to file a Complaint or Petition to the court to add Juniper Barclay as the LEAD co-conspirator! Juniper Barclay would be added because they are the problem, the account was paid in XX/XX/XXXX! I have proof, but yet JUNIPER BARCLAY SOLD THE ACCOUNT AS UNPAID DEBT, and here we are 20 years later!! JUNIPER BARCLAY BANK EMPLOYEE DID NOT CLOSE THE ACCOUNT CORRECTLY! XXXX CALLED AND ASKED FOR MY DECEASED STEP FATHER!!! THIS TRULY UPSET MY MOTHER, WHO IS SICK AND AILING! NO ONE HAS TRIED TO SERVE ME DOCUMENTS. YET my FAMILY And I continue to be harassed by XXXXXXXX XXXX XXXX for an account THAT WAS PAID IN XXXX to BARCLAY AND JUNIPER BANK!

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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