vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: Self Financial Inc.
State: PA

Complaint narrative:
I ask to dispute the derogatory status reported to my account under U.S.C. 1666 I have the right to request verification of any billing errors including inaccurate reporting and late payments..upon reviewing I notice a discrepancy of inaccurate information the account has a zero balance no past do amount I asked to verify the late payments history and if the creditor can not verify with proper documentation it must be corrected or removed immediately in compliance with the fair credit billing act 15 U.S.C. 1666 if account cant be verified please update my account to paid as agreed never late PAANL to accurately represent my payment history on all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-07 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: GA

Complaint narrative:
When applying for a XXXX XXXX  credit card in XX/XX/year> it was stated this is under XXXX and not my personal information, as I applied with a XXXX XXXX number. This XXXX inquiry on my Equifax credit report on XX/XX/year>, should not be on my personal credit report as stated by law. 

Also, a XXXX on all XXXX credit reports from XXXX XXXX dated XX/XX/XXXX is incorrect. I did not open a XXXX credit card with XXXX XXXX. Therefore, the XXXX XXXX XXXX dated XX/XX/year>, should be removed from my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Collections and late payments, due to inaccurate information. 
Dear sir/ madam, I am writing to formally dispute the collection account reference by your agency. The account referenced by your agency. The accounts in question, which I understand to be reported under my name, is inaccurate due to incorrect or misspelled information. 
Specifically, I believe that either the amount, the nature of the debt, or the other details tied to this account do not reflect my accurate financial history. After reviewing my records and credit report, I noticed discrepancies that I am requesting be investigated. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you provide verification of these debts, including : 1. The original account information and proof of the debt.

2. The amount owed and a breakdown of the charges.

3.Documentation to support that this collection is indeed mine, and that the reporting to all credit bureaus is accurate.

If you are unable to provide this documentation or fail to correct the inaccuracies, I request that this collection or late status accounts be removed immediately from my credit report, as it is based on incorrect information. 
I appreciate your prompt attention to this matter and look forward to resolving these discrepancies. Please provide a written response within 30 days from the date of this letter. 
Those companies listed false and missed documented information reported to different credit bureaus. If the information was correct, it would be the same on all bureaus. 
1.Ally financial -reporting 2 months late- XXXX  report says all payments are up to date. 
XXXX XXXX XXXX XXXX XXXX XXXX charge off showing as closed, also has a past due balance of {$8000.00}. XXXX, charges offs can not have a past due balance. 
XXXX XXXX XXXX lists 2 months back-to-back 90 days late. 
XXXX marked 30 days late, but also says all payments made and in good standing. 
XXXX XXXX says 120 days late but shows in good standing. 
XXXX shows balance on closed and {$0.00} due, also 2 30-day late payments back-to-back. 
XXXX XXXX XXXX - {$1100.00} past due, charged off, charge offs can not have a past due balance. 
XXXX XXXX- {$1500.00} charged off, since XX/XX/year>, reported as charged off for the past 48 months XXXXXXXX XXXX XXXX XXXX- never had an account with this bank, XXXX payments behind. 
XXXXXXXX XXXX XXXX reporting 120 days, only shows 90 days. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: SC

Complaint narrative:
The car dealership ran my credit XXXX to XXXX times without my permission when I asked them to run it three times to their favorite banks and they took it upon itself to run into XXXX banks. They would like to have the inquiries removed of 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 2025-03-07 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: FL

Complaint narrative:
These accounts were open by fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$54.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$880.00}

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 2025-03-07 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:
These accounts were open by fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$54.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MN

Complaint narrative:
XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX  XXXX are inaccurate and must be removed.

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 2025-03-07 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: MN

Complaint narrative:
XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX  XXXX are inaccurate and must be removed.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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
Consumer complaint received 2025-03-07 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 non-monetary relief
Consumer complaint received 2025-03-07 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: Credit Corp Solutions Inc.
State: IN

Complaint narrative:
I have sent multiple dispute letters to the agencies claiming that I owe a debt. I was unaware of who these agencies were, so I requested proof and validation of the alleged debt and proof they can collect on this debt. I sent these letters via certified mail, but I have not received any validation in response. This issue has been ongoing for over a year, with no resolution. 

XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1300.00} XXXX & XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
From XXXX day to the next, capital one closed both of my credit card accounts with them. A XXXX account and a XXXX account. 
I contacted customer service and was transferred all the way up the line until top tier service and none were able to give me a reason for the account closure. They continued to reciev my payments even as they claimed that my account was closed and that the cards were inactivated. 
I believe it is my political positions that prompted this. 
A few weeks earlier my credit limit was raised without request as I was obviously in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NC

Complaint narrative:
please see attached letter that was certified sent to all three credit reporting agencies. here are the tracking numbers for certified mailing to all credit reporting agencies, they have received all compliance and procedures letters and they state no longer 15 days for reinvestigations. I has been almost 30 days and the negative credit items was once removed and reinserted at 3 times in the last 6 mths with all 3 of the credit agencies it time for the CFPB to work for me and make these credit agencies take accountability of their actions and removed the two items with hesitation especially with no proof nor any investigation ... Here are the tracking numbers for each of the reporting 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
My information was link threw the app I use called cash app over XXXX n it's connected to the settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
PAYPAL : I reported an unauthorized transaction, and followed the request and steps from Paypal. XXXX minutes later I got an email from paypal telling me " After extensive investigation, and we find the charges are valid ''. I have asked how they could perform a diligent investigation, within XXXX minutes of my complaint. They have no number to call that will assist me. I plan to take legal action and have decided to form a complaint here first. 

XXXX XXXX XXXX case number : XXXX Unauthorized and fraud use of my bank card, by PayPal, and not diligently investigating my claims is a violation of XXXX. As well as fraud, by allowing a fraudulent transaction to take place on their platform

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against Experian due to its failure to maintain accurate and verifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. 

I previously disputed the XXXX XXXX account with Experian, citing inaccurate and inconsistent reporting across the major credit bureaus. XXXX has already deleted this account, demonstrating that it was unverifiable. Despite this, Experian continues to report the account as Charge-Off, with an inconsistent date of last activity compared to XXXX. 

Furthermore, Experian has failed to provide a detailed description of the investigation procedures conducted, as required under XXXX XXXX. XXXX ( a ) ( XXXX ). Instead, they appear to have relied solely on automated verification systems like XXXX, which do not meet the legal standard established in Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ).

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 2025-03-07 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: IL

Complaint narrative:
Please promptly block and remove the unauthorized accounts from my credit report. I did not authorize or open these accounts and have no knowledge of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review and reference.

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 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD BANK FROZE MY CHECKING AND SAVINGS ACCOUNT AND KEPT MY CREDIT CARD OPEN. THEY DIDNT ALERT ME ABOUT TRANSACTIONS UNTIL AFTER FRAUDULENT CHECKS WERE RETURNED. ON XXXX XXXX TD BANK FROZE MY ACCOUNT AFTER I HAD OPENED A REPLACEMENT ACCOUNT DUE TO FRAUDULENT ACTIVITY I HAVE NEVER MADE ANY MOBILE DEPOSITS TO MY ACCOUNT. THERE WERE 2 XXXX  CHECKS DEPOSITED THRU MOBILE DEPOSITS SO THEY FROZE MY ACCOUNT AND LEFT ME NOT ABLE TO PAY BILLS. THIS CAUSED A GREAT DEAL OF HARDSHIPS FOR ME. THEY BEEN TELLING ME THAT THEY ARE CLOSING MY ACCOUNT SO THE XXXX OF TD BANK IN XXXX FILED FORMS SO HE CAN RETURN FUNDS TO ME BUT THE BANK WAS NOT RESPONDING TO HIM AND IM STILL WAITING TO RECIEVE MY FUNDS FROM THE BANK. SO IM NOT ABLE TO PAY RENT OR CAR INSURANCE OR EVEN TAKE CARE OF MY CHILDREN BECAUSE OF THIS AND I FEEL TDBank HAS DEFENITELY VIOLATED CONSUMER LAWS BY NOT GIVING ME BACK FUNDS THAT I HAD KEPT IN THEIR BANK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been battling with a identity thief for sometime now. And I decided it would be best to initiate a fraud alert. I set it up through Experian because I have identity theft protection with them and yesterday while checking to make sure my report was still accurate. Somebody had had updated the phone numbers I had listed on my fraud alert, to another phone number XXXX of the phone numbers was XXXX the other phone number was XXXX. My phone number which I initially put on my fraud alert was XXXX and for whatever reason experian, allowed another person to update my fraud alert. Experian knows that my phone number is XXXX because its linked to my identity theft protection services that I pay for every month, and they refused to even help me fix this problem and they wont even update my credit score or update it yo show where I have been paying my credit card every month I used to have perfect credit and now Experian has me listed as unscoable. And Experian wont update my credit card information where Ive been paying off my credit cards every month. They dont even show that I have a credit card. And I paid for the credit monitoring service through XXXX as well so they know my phone number as well and every time I try to call either one of the companies I get their AI that answers the phone and the AI tells me we can only transfer you to an agent in limited circumstances. And then hangs up the phone. And I have the phone calls recorded from Experian and Trans Union proving that they will not assist in anyway and I have copies of my receipts showing where I pay for them each month. Also, I am attaching a copy of my credit report to show whats going on and approve that I have access to my credit reports. The credit report that I am attaching shows the information from when I originally place the fraud alert just to show that the phone numbers the phone I had originally placed on my fraud alert

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 2025-03-07 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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