vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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:
My personal information was exposed in a data breach. These accounts do not belong to me : XXXX XXXX, {$22000.00}, XX/XX/XXXX XXXX  XXXX XXXX XXXX, {$17000.00}, XX/XX/XXXX ( equifax reporting {$17000.00} balance! Factual dispute ) XXXX XXXX XXXX, {$1000.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, {$250.00}, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$110.00}, XX/XX/XXXX XXXX & XXXX XXXX XXXX {$910.00}, 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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/XXXX, my car was XXXX XXXX and someone XXXX XXXX XXXX. Inside my XXXX  was a Venmo Visa Credit card. I called the company immediately and reported the card stolen and created a dispute for an amount that the thief charged to the card before I was able to close the card down. A week later I contacted the company because they still had not resolved the dispute. They had closed the dispute without contacting me and made a determination that the fraudulent charge was not fraud. I re-opened a dispute at that time. They then proceeded to freeze my Venmo account. They have refunded the fraudulent charge however it is now impossible to get in contact with anyone at the company to unfreeze my venmo account. They also sent XXXX credit cards in the mail to replace the stolen card. Neither of which I asked to be sent. I need to change the bank account that is connected to the old credit card so that I can pay my remaining balance however I can not get through to anyone at Synchrony bank to be able to do this and there is no way to do this through the App. The entire experience has left me feeling vulnerable to fraud, unprotected and generally dismissed. These kinds of things can ruin peoples lives and no one seems to be protecting the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CITIBANK, N.A.
State: AR

Complaint narrative:
In my divorce decree my ex husband was responsible for paying the debt of our citi card I have sent in our divorce decree asked for the creditor to be removed all they did was changed to charge off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: AR

Complaint narrative:
In my divorce decree my ex husband was responsible for paying the debt of our XXXX XXXX  I have sent in our divorce decree asked for the creditor to be removed all they did was changed to charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MOHELA
State: NC

Complaint narrative:
Debt have been sold and Discharged but are still reported on 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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX XX/XX/XXXX, I notified by Citibank and ask if I made a XXXX transaction? No I did not, my account balance was XXXX, I sent a payment of {$1000.00} dollars which would give me a credit of {$700.00}. After I checked my online app on XXXX XX/XX/XXXX I found that I had Multiple fraudulent charges and I immediately attempted to close this account. I was not able to as someone else had access to my account and had changed my Email address and password. Citibank not knowing my account had been compromised on their end send out another card with different account number. This card was compromised before I even received it!! they attempted to send me out another card and number but, I requested my account be closed and the entire account be placed under investigation?? I was under the assumption this had been started on Citibank 's end? Only to find out in late XX/XX/XXXX that this issue was not started and my {$700.00} Credit was lost? stolen? not there in my account? and no one could find it from Citibank Fraud department?? I have made over XXXX phone calls to Citibank from XX/XX/XXXX until last night XXXX XX/XX/XXXX and still nothing has been done and I spend on a average of XXXX hrs on each call due to being transferred over 7 times each call.

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 2025-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I called capital one on XX/XX/year>, stating that I lost my job and was out of work for XXXX months and missed my credit card payments. I asked them could they remove? They said they couldnt. 

In accordance with the fair credit reporting act convergent account has validated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Victim of identity theft and multiple accounts were opened in my name. Social security collected and others things. errors on late payments issues with experience and other credit 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 2025-02-25 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: AZ

Complaint narrative:
Victim of identity theft and multiple accounts were opened in my name. Social security collected and others things. errors on late payments issues with experience and other credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Complaint company : PayPal The reason to complain : This company refused to help me to get my money back. 

Amount : {$470.00}. 
Transaction date : XX/XX/2025.

Date of customer dispute:XX/XX/2025.

PayPal refused my case : XX/XX/2025. 

A customer named XXXX XXXX bought a XX/XX/XXXX wig which cost {$470.00} from our business. The XXXX delivered the wig in same day to her. ( please see the pictures of the text message of the purchase processing and XXXX information ). 

She disputed it from PayPal half month later since she bought it.She said the transaction is not authorized. But i am sure she knows it and she is the one use the PayPal and buy the wig because she always buy products from us and sent money through PayPal ( you can see the history payment details from PayPal ). This time she is lying and want to do this for a free merchandise! 

I offered All evidences to PayPal, they know the customer is lying but they don't help my business! Also PayPal changed me extra money {$15.00} from this case for doing nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
I came across incorrect accounts on my credit report this morning, and I have no clue how they appeared. I routinely monitor my report, yet today I found discrepancies that hadn't existed before. Thinking it might be a technical glitch, I refreshed my browser, but the inaccuracies persisted. Given this, I kindly ask that my documents be reviewed thoroughly so that I can have peace of mind moving forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: Experian Information Solutions Inc.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from
section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TX

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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the consumer reporting agency TransUnion, block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under account number XXXX, XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections that appear on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report you maintain, which shows the afore mentioned fraudulent items. I do not recognize the afore mentioned accounts, collections, charge off or hard inquiries as reported. The afore mentioned accounts, collections, charge off and hard inquiries that appear on my consumer credit report you maintain were not opened, made, or initiated by me. All of the above accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint No. ( XXXX ) as proof from the U.S. Federal Trade Commission that all of the above consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have also attached evidence of my identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputing the XXXX XXXX XXXX and Experian stated that the account was verified. I would like them to provide me with the details in writing what and how was this account verified. You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section XXXX ( XXXX ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. Please send me an updated credit report within XXXX days of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report regarding a closed XXXX XXXX account. The account in question was closed ; however, I have recently discovered that the reported balance has increased. This information is inaccurate and must be removed from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies and data furnishers are required to ensure that the information they report is accurate and verifiable. The erroneous reporting of an increased balance on a closed account is a clear violation of my rights under the FCRA. Because this account was closed, no further charges should have been added, and the balance should not have changed post-closure. 

I request that XXXX XXXX investigate this matter promptly and provide evidence verifying the accuracy of the reported balance. If no such verification can be provided, I demand that this inaccuracy be deleted from my credit file immediately. I have also sent copies of this letter to the credit bureaus ( Experian, XXXX, and XXXX ) requesting an investigation. 

Enclosed with this letter, I have attached copies of my credit report highlighting the erroneous information, as well as any supporting documentation related to the closure of the account. 

Please provide me with written confirmation once the inaccurate information has been corrected or deleted. If XXXX  XXXX fails to correct this matter, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal remedies if necessary. 

Thank you for your prompt attention to this matter. I would like for this to be deleted from 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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am having an issue with cash app because I have disputed a transaction regarding a payment I made to a merchant, I have expressed to Cash App how the product was defective such as a vehicle and it was returned to the seller, I have also provided Cash App proof of me asking the seller for a refund and they refused although I returned the product that stopped running after 2 weeks. I provided Cash App with supporting documents needed to support my refund but they refused. My cash tag is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
credit reporting agency is reporting incorrect and outdate address and information on my credit profile these companies are violating my rights as a consumer this is causing hardship for me and my family this situation is causing me be denied of housing opportunities and job opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the consumer reporting agency TransUnion, block information appearing on my consumer credit report that is a result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at BANK XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX on XX/XX/XXXX under account number XXXX, XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections that appear on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report you maintain, which shows the aforementioned fraudulent items. I do not recognize the afore mentioned accounts, collections, charge off or hard inquiries as reported. The afore mentioned accounts, collections, charge off and hard inquiries that appear on my consumer credit report you maintain were not opened, made, or initiated by me. All of the above accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint No. ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the above consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have also attached evidence of my identity theft.

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