vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently disputed a charge-off account from XXXX XXXX XXXX XXXX however my dispute was denied, and you reported that the account was Verified as accurate XXXX XXXX XXXX** I disputed this account and even attached screenshotted proof that the information being reported on my credit report was inaccurate, however, it was considered verified and updated according to your alleged investigation. I 100 % believe that the verification process that you performed was NOT done correctly because this debt is not legally enforceable.

Please prove the method of verification you used to verify this debt. Under the FCRA Section 611 ( a ) ( 7 ), I have a right to know how this debt was verified after I have attached the proof that it was inaccurate. 

I am requesting a DETAILED explanation of the method you used to verify this debt and a full explanation of how the investigation was conducted. Please consider this formal dispute!! 

Specifically, I ask that you provide, The name, address, and contact information of the party that verified the account, a detailed explanation of how the verification was conducted, and copies of any documentation provided by the creditor to verify the accuracy of this charge-off. Also, in accordance with the FCRA, I expect a response within 30 days. If you can not provide the requested information, I demand its deletion from my credit file. 

I am 100 % sure that my dispute was pushed through E-Oscar system that allows the creditor to review and respond with Verified as accurate and this dispute was not thoroughly investigated. Failure to comply, I will seek legal action for failing to follow the federal credit reporting rules. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-03-31 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Request for Removal of Personal Information To Whom It May Concern : I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to request the removal of my personal information from your records.

Under the FCRA, specifically 15 U.S.C. 1681c-2, you are required to block the reporting of information that a consumer identifies as resulting from an alleged identity theft. I believe my personal information is being maintained or reported without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-03-31 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: FL

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I requested this company to investigate these fraudulent accounts thats reporting to my credit report and have not received a response. Its been over 120 days and I have not received any type of correspondence.

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 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal account : XXXX Subject : Erroneous due amount Transaction XX/XX/year> XXXX and following Dear sir, Paypal has claimed a due amount of {$820.00} to our account. This amount is incorrect and has been paid to Paypal. We have the credit card statement with all the information to confirm this and the fact that we do not owe any amount to Paypal. 

The original transaction was for gift to XXXX XXXX XXXX in XXXX XXXX XXXX XXXX and amounted to {$900.00} charge to our XXXX Paypal account. After discussion with XXXX XXXX we cancelled the transaction and she never collected the money. Paypal made a first mistake by refunding our Credit card twice for this amount. However, as my card statement proves, our credit card refunded Paypal twice for this amount. This does close the issue as the initial purchase was cancelled. The final balance is XXXX. The credit card statement has been provided twice to Paypal customer service by chat. 

We discussed several times with Paypal to understand why the charge has been adjusted to {$820.00} and why it was still pending. It was mentioned exchange rate variation. They asked us to contact our credit card company ; we did and they confirmed the dual refund. The different Paypal contacts never recognized the second refund from our Credit Card to Paypal. 

Has we have fully refunded Paypal, we do not owe any amount. However, Paypal transferred the case to XXXX XXXX XXXX. 

We have the documentation showing our good standing and are extremely disappointed that Paypal has not provided a correct solution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I requested this company to investigate these fraudulent accounts thats reporting to my credit report and have not received a response. Its been over 120 days and I have not received any type of correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I requested this company to investigate these fraudulent accounts thats reporting to my credit report and have not received a response. Its been over 120 days and I have not received any type of correspondence.

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 2025-03-31 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into any disputed item and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. Furthermore, 15 U.S.C. 1681c ( a ) mandates the timely removal of outdated or erroneous accounts.

As a direct result of your negligence in maintaining accurate reporting, I have suffered financial harm, including denial of credit, auto loans, and higher interest rates, all of which are violations of my consumer rights. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, you may be held liable for willful and negligent noncompliance with the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees.

You have five ( 5 ) days from receipt of this letter to correct and remove the erroneous information from my credit report. If you fail to comply, I will have no choice but to escalate this matter through legal action to WELLSFARGO Address XXXX XXXX XXXXXXXX XXXX, OR XXXX seek full compensation for the financial and emotional damages caused by your noncompliance. 

Please provide written confirmation once the disputed item ( s ) have been removed or corrected. If you believe the information is accurate, provide documentation verifying its validity. Otherwise, failure to act will result in further legal consequences. 

This letter serves as a formal record of my request under the FCRA, and I expect immediate corrective action. 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
Consumer complaint received 2025-03-31 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, my open line of credit was charged {$8000.00}, for XXXX XXXX  that were not performed, were scheduled to be performed, but had not. The Dentists XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX charged my openline of credit with Commenity Bank XXXX XXXX the maximum amount available on my open credit line, without my consent or knowledge, prior to any treatment being performed, causing the creditor to forward a billing statement to me for {$8000.00} plus Fees and Interest. I submitted a written dispute to the Creditor Commenity Bank. On XX/XX/XXXX # XXXX, after several attempts to have the erroneous advance charge reversed by the creditor advised, XXXX {$8000.00}. XXXX. With remaining fees and interest of {$450.00} XX/XX/XXXX statement. Which should have been removed per Commenity XXXX XXXX effective XX/XX/XXXX. As of XX/XX/XXXX Fees and Interest Remain and accumulate XXXX after several attempts to have them corrected and removed. and to the XXXX XXXX. 
Who took 90 days to investigate and remove the initial $ XXXX unauthorized charge, resulting in accumulated XXXX and XXXX fees currently totaling {$8400.00}. I have contacted the Creditor Commenity Bank numerous times requesting these increasing Fees and Interest Charges as a result of this Erroneous Unauthorized Charge be removed! This Creditor has not removed these charges although customer representatives have said they would be removed once The original charge was reversed, they have not been. They are increasing monthly and I am receiving harassing calls at a rate of XXXX calls per day for the last 6 months. Additionally this issue has been reported to all XXXX credit reporting agencies, and is Negatively impacting my credit.In submitting this dispute in hopes that your agency XXXX be of assistance to me with this issue. Also to make you aware of what appears to be a Scam and illegal and unprofessional billing practices of Both the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Commenity Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your Prompt assistance in this pressing matter. 
All Documentation will be furnished upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 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: OH

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND TRAFFICKING. 

Account XXXX : XXXX XXXX XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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