vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed this on my report and asked them to provide me with who reported this and how they got it. They refuse to send me anything and keep stating that it's correct, I want proof of how.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed this on my report and asked them to provide me with who reported this and how they got it. They refuse to send me anything and keep stating that it's correct, I want proof of how.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit score was pulled and vendor states I have no credit history showing. Personal information compromised during Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On my credit report there is a charged off account called Citi Bank and I have disputed this account on numerous occasions and stated that I had no recollection of ever owning or using a Citi Bank credit card and had asked for this account to be removed from my credit report but this has not been done. I recently got notification that this account was charged off and is reporting as a charged off account on my credit report.

The law clearly states that when an account is charged off then the consumer must be provided with a form 1099 c. I was never provided such a form by Citi Credit Cards. They say the account belongs to me but fails to provide me with a form 1099c while still claiming that such account belongs to me. Kindly and p
lease send me the 1099c form for the account that I allegedly had with Citi Credit cards.

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 2025-03-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On my credit report there is a charged off account called Citi Bank and I have disputed this account on numerous occasions and stated that I had no recollection of ever owning or using a Citi Bank credit card and had asked for this account to be removed from my credit report but this has not been done. I recently got notification that this account was charged off and is reporting as a charged off account on my credit report.

The law clearly states that when an account is charged off then the consumer must be provided with a form 1099 c. I was never provided such a form by Citi Credit Cards. They say the account belongs to me but fails to provide me with a form 1099c while still claiming that such account belongs to me. Kindly and please send me the 1099c form for the account that I allegedly had with Citi Credit cards.

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 2025-03-23 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: GA

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX XXXX XXXX was deemed a total loss by my insurance company, XXXX. The XXXX was in a not-at-fault accident on XX/XX/XXXX, and the collision center did not have availability to give an estimate of damages until XX/XX/XXXX. The collision center kept the van for three months and ordered parts to start repairs. XXXX XXXX stopped the collision center before they began repairs and asked them to total the XXXX. I was never informed of the total loss until I called to get an update on my vehicle. After I got the update from the collision center, I called XXXX  and began the process to ensure they would cover the cost of my XXXX, as I had a million-dollar collision policy with XXXX  and gap coverage through XXXX XXXX XXXX When I called XXXX XXXX to get my gap insurance information to file a claim for the {$4700.00} balance not covered by my insurance with XXXX, the finance manager, told me I did not have gap coverage. I called XXXX XXXX financial again 5 times and spoke with different representatives who all confirmed I did not have gap coverage, which I initially signed up for during the purchase of my XXXX  XXXX  and paid for through my loan with XXXX XXXX. In XXXX I called XXXX XXXX to inquire about my warranty refund, and the representative asked if I wanted a refund for my gap insurance too. I asked if I could use the gap insurance to cover the balance of the vehicle, and I was told it expired. I asked why I was not allowed to use the gap coverage at the time of my initial accident claim and was told she did not know, but the representative told me that I did have gap coverage at the time of my accident in XXXX, but since I did not use the gap coverage, I would receive a refund of {$300.00}. Because of this negative loan balance, I can not get a new loan for another vehicle. In this case, XXXX XXXX XXXX committed insurance fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NV

Complaint narrative:
These inquires are a result of identity theft I never gave companies purpose to pull my consumer report these inquiries need to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Work for the state would high dollar checks in the XXXXXXXX. They would hold it for 5 days. Even with a verification from the state controller office of California. This was from XXXX thru XXXX. 

Also during this time my laptop was stolen. Whoever stole it made charges on my account. They gave me the provisional credit. Then their response was it came from my ip address from my computer. So I was completely liable!

I even discussed it with the bank manager off of XXXX in XXXX. I was told in person there was absolutely there was nothing they could do..

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 monetary relief
Consumer complaint received 2025-03-23 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
Formal Dispute & Legal Demand for Deletion of Inaccurate and Fraudulent Information, Including Marketing Records To Whom It May Concern, This letter serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), New Jersey Consumer Protection and Privacy Laws, and my right to delete personal data. XXXX has reported and disseminated incorrect, fraudulent, and unauthorized marketing information under my name, including the following records : I will attach the information that they sent after 12 months and 23 request for full disclosures they stated they couldnt verify my identity while selling my information to 3rd parties as accurate. Cause Financial loses and Anxiety attacks I am formally requesting the immediate removal of fraudulent and inaccurate information from my XXXX consumer report. Additionally, I demand that XXXX enforce the security freeze that was placed on my file in 2022, which has been unlawfully disregarded, resulting in the unauthorized sale and dissemination of my personal data. 
Upon reviewing my report, I discovered that multiple email addresses and opt-in records are being falsely associated with me. These email addresses are fraudulent and do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am disputing your claim based on the fact that I have no knowledge whatsoever of any account or transaction between myself XXXX XXXX called CREDIT COLLECTION SERV Nor is the account number you claim I have with you familiar in the least. You provided me with no information as to the nature of this account, any documentation that any such account exists ( outside of yourletter claiming such, which does not suffice ) .Unless you can provide some sort of verification that an account exists between myselfand CREDIT COLLECTION SERV, I insist that you refrain from sending me frivolous and unwanted correspondence which falsely claimto bind me legally or financially to an entity utterly unknown to me. If you persist in this claim, then I am legally entitled to requestthat you validate your claim per UCC 3-501 ( b ), in order verify the existence of an account in my name which obligates me to you contractually and financially. 
CREDIT COLLECTION SERV XXXX Balance : {$90.00} CREDIT COLLECTION SERV XXXX Balance : {$73.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Re : Request for 1099-C Form for Canceled Debt Dear XXXX, I am writing to request a 1099-C form for the canceled debt related to the Auto Loan. As you are aware, this debt was settled/canceled on or before XXXX XXXX. 

Pursuant to Internal Revenue Service ( IRS ) regulations, I am entitled to receive a 1099-C form reporting the amount of canceled debt. This form is necessary for me to accurately report my income and claim any applicable tax credits.

Please provide the 1099-C form to me within 15 days because this is necessary for me to file on my XXXX income tax return You can mail the form to the address above or email it to XXXX. 

If you have already issued the 1099-C form, please confirm the date it was mailed and provide a copy if possible. 

Thank you for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me. 

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 non-monetary relief
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Re : Request for 1099-C Form for Canceled Debt Dear XXXX, I am writing to request a 1099-C form for the canceled debt related to the Auto Loan. As you are aware, this debt was settled/canceled on or before XXXX XXXX. 

Pursuant to Internal Revenue Service ( IRS ) regulations, I am entitled to receive a 1099-C form reporting the amount of canceled debt. This form is necessary for me to accurately report my income and claim any applicable tax credits.

Please provide the 1099-C form to me within 15 days because this is necessary for me to file on my XXXX income tax return You can mail the form to the address above or email it to XXXX. 

If you have already issued the 1099-C form, please confirm the date it was mailed and provide a copy if possible. 

Thank you for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me. 

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 2025-03-23 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: TX

Complaint narrative:
I am writing to file a complaint against Experian and TransUnion for their failure to maintain accurate and consistent personal identifying information on my credit reports. Despite my prior disputes, these credit reporting agencies continue to report incorrect variations of my name and inaccurate addresses. 
Incorrect Name Reporting : Experian has reported my name incorrectly as XXXX XXXX Correct name that should be reporting : XXXX XXXX XXXX. 
Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Correct address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], I have the right to accurate information on my credit file, and I am requesting that these errors be investigated and removed immediately.

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 2025-03-23 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: TX

Complaint narrative:
I am writing to file a complaint against Experian and TransUnion for their failure to maintain accurate and consistent personal identifying information on my credit reports. Despite my prior disputes, these credit reporting agencies continue to report incorrect variations of my name and inaccurate addresses. 
Incorrect Name Reporting : Experian has reported my name incorrectly as XXXX XXXX Correct name that should be reporting : XXXX XXXX XXXX. 
Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Correct address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], I have the right to accurate information on my credit file, and I am requesting that these errors be investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
I don't agree with the account listed below, which still appears on my credit report, even after your investigation. I would like this account to be immediately re- investigated. These inaccuracies are highly injurious to my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX, TX, XXXX XXXX [ Date LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX, SC, XXXX Dear LVNV Funding LLC I am writing in response to your [ letter/phone call ] dated [ date of communication ], in which you claim that I owe a debt to [ creditors name ]. I am requesting that you provide proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1. Proof that I owe this debt A copy of the original signed credit agreement or contract with my signature.

2. Detailed breakdown of the amount A complete itemization of the total amount you claim I owe, includin
g principal, interest, fees, and any additional charges.

3. Proof of your authority to collect the debt Documentation that proves your agency has the legal right to collect this debt.

4. Name and contact information of the original creditor If this debt has been sold or transferred, provide a copy of the assignment agreement.

5. Verification that the debt is within the statute of limitations The date of the last payment made on the account. 
Please be advised that I dispute this debt and request that all collection activities cease until you have provided proper validation. If you fail to provide sufficient proof, you must remove any negative reporting from my credit report and cease further collection efforts. 
Furthermore, please do not contact me at my place of employment, and all future communications must be in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX balanced {$13000.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX balanced {$930.00} XXXX XXXXXXXX XXXX  XXXX balanced {$0.00} XXXX XXXX XXXX XXXX ****balanced {$10000.00} XXXX  XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX balanced {$800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX balanced {$0.00}

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 2025-03-23 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: KY

Complaint narrative:
equifax has showed an increase in members XXXX XXXX XXXX account even though they can not provide me proof of it being my debt the have added payments to the account as being late when it shows to be charged off in XXXX of 2024.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

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 2025-03-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am having trouble in applying for PayPal Credit.

It has been declined without any solid reasoning.

Can I get help?

Company response to consumer: Closed with explanation