vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: OR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Someone used my information to establish cellular service through XXXX. I have never had an account with them. This account started to appear on my credit report approximately late XXXXXXXX XXXX. I was no longer living in the house that the XXXX account was linked with. I called to inform them that I didnt open the account, but they were insisting that I did. At that point I told the t representative if they could provide anything with either my signature or initials on it, or even copy of my ID, I would pay the account in full. After receiving no response, I decided to dispute the account with each of the various credit bureaus. The dispute was successful and the account was removed from my report. 

Approximately a month later, the charges reappeared on my credit report, however this time they were filed by a different entity, with a new account opening date, resetting the XXXX years it would sit in my report. I submitted another dispute, which was also successful and the account was again removed for my credit report. To date, I have disputed this account XXXX separate times, each dispute having been successful. 

The account has now reappeared on my credit report, submitted with yet another company name, a new opening date and all new information. Ive tried resolving this repeatedly, but story of hiring an attorney I dont know what else I could possibly do to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management contacted my relative about a disputed account without my express permission. Additionally, the account in dispute was subject to a special payment plan with XXXX for 48 months at XXXX XXXXXXXX which originated XX/XX/year>. XXXX did not uphold this agreement and sold the account to Midland Credit Management without notifying me in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
The loan balance was electronically transferred/paid off on XX/XX/year> from a personal checking account to Edfinancial via our bank. Edfinancial is claiming they never received the {$9000.00} payment. Proof has been submitted multiple times from myself to Edfinancial and they are still claiming non-payment. They have reported to the credit bureau thus severely impacting my credit score. There are 2 different account # 's on letters from Edfinancial as they had updated their system in early XXXX XXXXhanging the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such agency.

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 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My Zelle was blocked in XXXX due to fraud, however my phone was stolen by an ex boyfriend who hacked into my account and was using my phone to send and receive fraudulent zelles. I had nothing to do with the fraud he was committing it was out of my reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: MD

Complaint narrative:
On XX/XX/year>, I made a purchase using Klarnas Pay in 4 plan and selected my XXXX credit card as the payment method. Klarna successfully charged my credit card for the first installment of {$8.00}. However, when subsequent payments became due on XX/XX/year>, Klarna did not process the charges to my credit card. Instead, they falsely claimed that the payment could not go through, even though my credit card had sufficient available credit. Additionally, the error messages stated that " Failure to pay now will result in late fees, '' pressuring me to resolve the issue immediately. This has happened multiple times with both my XXXX credit card and XXXX  credit card. 

As a result, Klarna requested payment through my debit card only. I contacted Klarnas customer service on XX/XX/year> via phone and to spoke XXXX to resolve this issue. I was told it was a system error and that Klarna no longer accepts credit cards at this time. This contradicts Klarnas publicly stated policy : " Klarna accepts major debit and credit cards such as XXXX, XXXX, XXXX and XXXX. Prepaid cards are not accepted. 

Please note : XXXX XXXX does not support Buy Now, Pay Later ( BNPL ) products. 
We do not accept credit cards as a payment method for Financing or purchases made with the Klarna Card. '' When I asked for proof that Klarna does not allow credit cards at all, XXXX told me she could not provide it. 

Despite my attempts to rectify the situation, Klarna forced me to use my debit card to complete payments on XX/XX/year> for {$8.00} and {$7.00}. I did not agree to use my debit card for these payments, and Klarna provided no valid reason for refusing to charge my credit card except for " system error ''. Their actions caused financial inconvenience and an impact on my ability to use Klarna.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: WA

Complaint narrative:
I am a victim of identity theft please see attached FTC report and block the 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 explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I received a letter from an attorney stating that Portfolio Recovery associates LLC. has a lawsuit against me. I have never worked with Portfolio Recovery llc, before. I started doing research and noticed that they report a month term of service with a {$1000.00} balance, since they've received or had the debt open. 

I have been receiving several calls per day from this company, back to back all hours in the morning and night ; However, never a letter regarding the debt owed until a lawyer reached out to me and informed me that had a lawsuit against me. I believe this is regarding an old XXXX bill from XXXX years ago that was disputed as not my bill, and after investigation with all XXXX credit bureau reporting Agencies, they removed it from my report. If it was removed by the original company and deemed that this was not my bill why is portfolio recovery suing me. 

After doing thorough investigation I have found : This company is known for Collecting debts without a reasonable basis, Selling debt, Threatening or filing collection lawsuits without an intent to prove the debt, Filing false or misleading affidavits in debt-collection actions, Making false or misleading representations, and Collecting or suing on debt that was outside the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: IL

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of multiple late payments by these creditors to Equifax. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: IL

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of multiple late payments by these creditors to Experian. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.

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 2025-02-22 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: IL

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of multiple late payments by these creditors to TransUnion. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.

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 2025-02-22 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 am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-02-22 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-02-22 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: MI

Complaint narrative:
It was paid XX/XX/XXXX and XXXX said they dont even have payment

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 2025-02-22 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: WA

Complaint narrative:
I am a victim of identity theft please see attached FTC report and block the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: WA

Complaint narrative:
I am a victim of identity theft please see attached FTC report and block the 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 explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I noticed discrepancies regarding incorrect names listed, specifically : -- -- -- -- -- -- -- -- -- -- Experian -- -- -- -- -- -- -- Name : XXXX XXXX. 
-- -- -- -- -- -- -- -- Equifax -- -- -- -- -- - Name : XXXX XXXX XXXX -- -- -- -- -- - These negative entries are affecting my credit score and my ability to manage my finances appropriately. I believe these errors are a result of the Equifax Data Breach that occurred in 2005. As you may know, this breach exposed sensitive information, and it is likely that these incorrect names were linked to my account during this incident. 

Impact : The inaccurate information is unfairly harming my credit report and impacting my financial standing. I have not used these names, nor have they been associated with me in any way outside of this breach. The negative consequences on my credit report are significant, causing undue stress and preventing me from pursuing important financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I had a Coti bank XXXX card, I have had it for years and paying on time but all of a sudden I started getting emails from the gem saying my bank returned request for payment. I finally called both my bank and Citi bank, found out that the number they were entering was missing a digit so they were trying to get money from the wrong account. 
I and a Citi bank supervisor called my bank and got the payment straight. A couple of days afterwards Citi closed my account and canceled my card. I called they took my information as if I was applying for a new card and later sent me a denial email. I subsequently called to find out why I havent been sent my accrued rewards money, they said that I had forfeited the money since they cancelled the card. I asked to speak to a manager and to my frustration she told me the same. I had almost {$180.00} or more rewards, this is like stealing

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 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX ( XXXX ) XXXX XX/XX/year> USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX Dear Sir/Madam, I am writing to formally dispute inaccuracies on my credit report. I recently reviewed my credit report and found several discrepancies that I believe are incorrect. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681a, I am requesting that you investigate and correct these errors promptly. 
Under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Furthermore, 15 U.S.C. 1681a outlines that information included in my credit report must be accurate, verifiable, and reflect the most current and accurate data available. 
I am requesting that you review the items in question, and if the information can not be verified or substantiated by the furnisher of the information, I ask that you remove or correct these inaccuracies in accordance with the law. 
Please provide me with a copy of the results of your investigation and any actions you take to correct the information. If you fail to do so within the 30-day period stipulated by the Fair Credit Reporting Act, I will consider further legal action.

Attached are copies of any supporting documents to assist with your investigation. Please notify me immediately if additional information is required. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected. 

Sincerely, 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 2025-02-22 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: IN

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. Specifically, my credit file includes names that do not belong to me. These errors may be impacting my credit profile, and I request immediate action to correct them. 

I have contacted the credit reporting agency/agencies regarding this matter, but the issue remains unresolved. I am requesting that they remove any incorrect names and ensure that only my legal name is associated with my credit file. My only name is XXXX XXXX XXXX and NOT the others listed on my account. Those are NOT my name. 

Attached are copies of my identification and any supporting documents to verify my correct name. Please investigate this matter and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your time and assistance. I look forward to your prompt response.

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