vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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 am writing to dispute several fraudulent accounts and inquiries that have been reported on my credit report. These accounts and inquiries are not mine, and I request that they be investigated and removed from my credit file. Below is a detailed list of the fraudulent accounts and inquiries : Fraudulent Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX, XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX - Account Number : XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
I am writing to dispute several fraudulent accounts and inquiries that have been reported on my credit report. These accounts and inquiries are not mine, and I request that they be investigated and removed from my credit file. Below is a detailed list of the fraudulent accounts and inquiries : Fraudulent Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX, XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX - Account Number : XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX 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 2025-03-16 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: GA

Complaint narrative:
TThis information is not mine. I have a XXXX  brother with a similar name ; his name is XXXX. I'm XXXX. They keep reporting all his bad accounts to my file. I sent in a police report, but Experian is the only credit company that will not take my brother 's information off my file. If this is not resolved, I will take legal actions. This information is not mine. I have a XXXX  brother with a similar name ; his name is XXXX. I'm XXXX. They keep reporting all his bad accounts to my file. I sent in a police report, but Experian is the only credit company that will not take my brother 's information off my file. If this is not resolved, I will take legal actions.

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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
RE : {$1200.00} purchase posting on XX/XX/XXXX for prepaid hotel thru XXXX which booked to my American Express card under " XXXX XXXX XXXX XXXX XXXX ''. 

This should have triggered a {$120.00} statement credit for completing the offer which is pasted below. 

I followed the instructions exactly and after chatting with agents and supervisors thru Amex XXXX  times they determined that my purchase was ineligible but can't provide any proof or evidence. XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

They advertise this offer but don't honor it when a consumer follows the exact steps. This hotel is non-refundable so I am left with no options but to accept that AMEX is unethically keeping my {$120.00} credit without justification. This is unfair and deceptive. 


Offer terms- Earn XXXX XXXX back as a statement credit after using your enrolled eligible XXXX to make purchases of prepaid hotel bookings ( pay now ) online at XXXX by XX/XX/XXXX. Limit of {$120.00} back in total statement credits. See terms. 

Offer Terms Eligibility and Enrollment Enrollment is limited. XXXX XXXX XXXX must first add offer to XXXX and then use same Card for qualifying spend. Only XXXX American Express XXXX XXXX XXXX. 

Limit of {$120.00} in total statement credits per eligible XXXX XXXX. If the XXXX Account is canceled or past due, it may not qualify to receive the statement credits. 

Qualifying Purchases Offer valid for pre-paid hotel purchases made online through the following link expedia.com/amex using the pre-paid option at checkout ( pay now ) only. Excludes pay at property purchases and purchases made over the phone. Excludes all other purchases not made at expedia.com/amex link using the pre-paid option at checkout. Excludes cruises, vacation packages, flights, car rental and activities, trip insurance and other XXXX party brands. American Express identifies qualifying transactions based on information provided by the participating merchant. Offer valid only on purchases made in XXXX dollars. 

Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other XXXX. 

XXXX XXXX Please allow XXXX after XX/XX/XXXX for the statement credit ( XXXX ) to be posted to the Account, provided that American Express XXXX XXXX from the merchant about your qualifying purchase. 

Participation in Amex Offers is subject to Amex Offers Program Terms. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was arrested on false charges from XXXX XX/XX/year> my y wallet with credit cards where found and are currently in the XXXX XXXX XXXX  as evidence. I need to fix all charges made dispute them and l need to pay some of collection debt to fix my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Every time I login to my account I need to receive a XXXX code via e-mail, I am not always able to receive an e-mail so would like this feature turned off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am writing to formally address a debt that appears on my credit report under the account number [ XXXX ]. This debt of {$260.00} is currently marked as being in collections, was originally resolved with the original lender, [ XXXX XXXX ] which I have and sent proof of. I believe it was mistakenly reported as unresolved. 

I would like to clarify that I had already settled this debt directly with the original lender, and any issues surrounding the account were previously disputed. Despite this, the debt has remained on my credit report as being in collections, which is inaccurate and does not reflect the resolution of the matter. 

To the best of my knowledge, the debt was paid or resolved in full, and I had followed all necessary procedures to address any disputes at the time. I kindly request that this issue be reviewed and the account be updated to reflect that the debt has been resolved. 

Thank you for your attention to this matter. I trust that you will promptly investigate and correct any inaccuracies on my credit report. If there are any further steps I need to take to facilitate this process, please inform me as soon as possible. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX XXXX ACCOUNT XXXX XXXXXXXX OPENED ON XX/XX/year>.

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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Deletion of this account immediately from all consumer reporting agencies.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB, I am writing to report a data breach involving my personal financial information, which was compromised due to security incidents at Equifax and TransUnion. 
Involving the following XXXX. " Unauthorized access to sensitive personal and financial information. '' XXXX. " Security incident resulting in the compromise of confidential data. '' XXXX. " Data security breach involving the disclosure of protected information. '' I appreciate your attention to detail in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: VA

Complaint narrative:
TransUnion LLC Consumer Dispute Center is an Violation of the Fair Credit Reporting Act ( FCRA ) for failure to properly investigate the inaccurate information on my credit report. Account Name : XXXX XXXX XXXX : Account BALANCE : {$440.00}

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 non-monetary relief
Consumer complaint received 2025-03-16 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: SLM CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX, I discovered that SALLIE MAE was reporting inaccurate information on my credit report. Despite attempts to resolve this issue directly with SALLIE MAE, inaccurate information continues to be reported on my credit file and remains uncorrected, which is detrimental, and adversely affects my creditworthiness. 


I contacted SALLIE MAE on XX/XX/XXXX, and again on XX/XX/XXXX, regarding the continued reporting of inaccurate information on my credit report. Consequently, SALLIE MAE continues to report inaccurate information and continues to fail to conduct a proper investigation as requested henceforth, rejecting the removal of the inaccurate record from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services
State: AL

Complaint narrative:
ED Financial {$6300.00} XX/XX/year> ED Financial {$3600.00} XX/XX/year> I accidentally opened multiple accounts with ED Financial, which I thought were separate entities. However, I have since learned that ED Financial has never removed my account from the other companies involved. Please forward my comments to all the relevant parties to resolve this misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several things reappear when have been paid or wrong information attached to that like late days which and showing negative impact on my credit my credit score doesnt go up when things have been paid and affect my life as a whole year after to try yo dispute inquiries and the negative the same reappear

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 2025-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Over the course of a year or more, I have tried closing my accounts with PayPal. At XXXX point, they were taking thousands out of my checking account to the point I had to close my checking account. They keep stating I have a working  XXXX  account but will not show proof of such. I do not own a business and do not have a XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XXXX, XX/XX/XXXX, I opened an XXXX XXXX XXXX On XX/XX/year>, XXXX attempted to reach out to XXXX XXXX  to find out how long it would take to get my credit card so I could pay the bill early. The automated system that I dialed into was so horrific that the only way to speak to a human being after XXXX minutes of playing with the automated system was to say my card had been lost or stolen. I reached a representative and was so annoyed and in tears that I told her to close my account. 

She spent the next XXXX minutes talking me out of closing the account, so l agreed to keep it open and see what happened going forward and if I needed to reach anybody again through the automated system. I wrote into the XXXX  website as this was the most heinous automated system I had ever experienced. Instead of responding to me, my account was instead of closed on XXXX XXXX by someone named XXXX. This is mind-boggling to me and despicable. 

Why have someone spend XXXX minutes talking me into keeping the account only to close it by someone I DID NOT - let me reiterate that DID NOT SPEAK TO! 

I have attempted to reach XXXX multiple times but it seems in anger they just decided to close it. No payment was due, overdue or late. Despicable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a collection for XXXX XXXX XXXX for {$4100.00} However I had no acknowledgment of this transaction neither did I authorize it making this fraudulent. This is impacting me significantly, I would like for you all to investigate and to look into this matter thank 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 non-monetary relief
Consumer complaint received 2025-03-16 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: NC

Complaint narrative:
XXXX XXXX for XXXX XXXX XXXX Georgia XXXX XXXX Equifax Inc. Customer Data Security Breach Litigation ; Case XXXX ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts } Reporting erroneous information without verification constitutes a violation of my rights under : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 ( Late Payments ) 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ( Accuracy ) 15 USC 1681i ( 7 ) ( Verification ) This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed FTC report for your reference. 
Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX. XXXX XXXX XXXX XXXX  : Balance : {$7700.00} : Date Fraud Begun : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Balance : {$2000.00} : Date XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : {$1200.00} : Date XXXX XXXX : XXXX XXXX. XXXX XXXX : {$1400.00} : Date XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : {$980.00} : Date XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : {$620.00} : Date XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : {$740.00} : Date XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : {$540.00} : Date XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : {$420.00} : Date Fraud Begun : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$560.00} : Date XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$290.00} : Date XXXX XXXX : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: VA

Complaint narrative:
Equifax is an Violation of the Fair Credit Reporting Act ( FCRA ) for failure to properly investigate the inaccurate information on my credit report. Account Name : XXXX XXXX XXXX : Account BALANCE : {$440.00}

Company response to consumer: Closed with non-monetary relief