vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit scores from all three credit bureaus, I noticed that only TransUnion is receiving reports regarding the three credit cards on which I am an authorized user, and they are the only ones showing a score ; the others display no information. I contacted all of the credit card companies, as well as Experian and Equifax, but none were able to assist me. I believe I may be " credit invisible '' due to a disconnect in the system, which is significantly hindering my life. Please advise on how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-01 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-05-01 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-05-01 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
All three bureausTransUnion, XXXX XXXX XXXXXXXXare reporting a closed auto loan from XXXX XXXX XXXX ( account number XXXX ) that is now at a {$0.00} balance but still shows historical late payments. This reporting is both outdated and unfair, as the account is no longer active and any alleged late payments occurred in a time frame where recordkeeping and data verification were extremely susceptible to breach-related distortions. Under 15 USC 1666b, creditors and the bureaus must accurately reflect a consumers payment history in the context of fair billing practices. Keeping negative payment history attached to a closed, {$0.00} balance account is misleading and harmful, especially when theres no current obligation due.

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 2025-05-01 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal put a fee of {$100.00} on my PayPal account that I have since closed stating that I owe they this fee. I Never signed nor did I agree for PayPal to pay for no transactions if my card is declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
XXXX XXXX sold my alleged debt to XXXX XXXX, XXXX despite both parties knowing that I am a victim of financial fraud in a federal division and identity theft through coercion, manipulation, deception, and induction. Please see the attached credible documentation as evidence of the nature of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: MT

Complaint narrative:
I have been using PayPal for my business operations for the past three months. I reside in XXXX and run a legitimate business with an XXXX registered in the US, under the name XXXX XXXX XXXX. The PayPal account affected is registered using the email address : XXXX. 

Over this time, I successfully received payments from clients globally without any issues. 

A few days ago, I added a bank account from XXXX to my PayPal account to make payments to workers. XXXX is a platform that offers banking services across different countries. After linking the XXXX bank, I attempted a payment via PayPal, but the payment was rejected by the bank. 

Shortly after, PayPal requested further verification. I promptly submitted my Pakistani Passport and a bank statement from XXXX to verify my identity. Despite submitting these documents, my account was limited and I was unable to proceed with any transactions. 

I also have additional legal documents, including my XXXX registration certificate and XXXX, available for verification, but I have not received clear guidance on what additional information is required. 

To resolve this, I requested clarification from PayPal on the reason for the account limitation and whether any other documents were needed. However, I have not received any clear response or a resolution to my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account XXXX : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-05-01 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: MI

Complaint narrative:
So our whole neighborhood had a party and while attending one of the neighborhood kids took my phone along with my wallet and XXXX $ in cash and a gold necklace. While thay had my phone they were able to sign into cash app and withdrawl XXXX $ from my bank account to cash app. My email address is XXXX my pin was XXXX so no surprise as to how they were able to figure it out. They then used that money to play on my casino apps on my phone which allow you to log on and deposit without any form of password because I have it saved on my phone and it automatically adds the password once you click login. Stupid feature on XXXX  behalf. S.m.h. they went threw XXXX $ in less then 24 hrs something I've never done on any casino or app in the passed so easy to tell it wasn't authorized i recovered the phone using find my phone feature the following day and reported the fraud immedietly to cash app. They allowed it to send for a good 6 days with no word from them about it. Then my new cash app card came in the mail and it wouldn't active so I asked customer service about it and they told me it was locked for good and they won't change their decision. SO I got upset and told them it wasn't fair that I was being punished for someone stealing money off my phone. They rudley replied that they would file my complaint with my pending fraud claim and that it would be addressed accordingly which upset me further I wasn't filing a complaint I wanted to active my card and the repeatedly said that same thing about XXXX more time and wouldn't respond to any message I wrote. I then realized that they denied my claim and wouldn't tell me why. They wouldn't give me any response other then they forwarded my complaint ain't I never made. I then told the customer service that they were being unfair and they were stealing my money and punishing me for a crime someone committed against me. They responded with a big oh well to bad so sad and closed the conversation and they won't respond to anything I ask them now. I just want my money back they can keep the card I will never use their service again. Worse customer service I've dealt with ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 request that you promptly block and remove the unauthorized accounts from my credit report. I did not open or authorize these accounts and do not recognize their origins. In accordance with USC 1681g, I am requesting their removal within 15 days. I have enclosed documents for your thorough review. Additionally, different and inaccurate account information is being reported across the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
In accordance to the federal reporting act this creditor has violated my rights. UNDER 15USC section 602 states I have the right to privacy. Under 15 USC SECTION 1681 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

I have a paid debt for credit one that's paid and settled. All 3 credit bureaus have my payments as late. I respectfully ask for all late payments on my report to be cleared. It says that I have 120 day late payments for XXXX XXXX when I canceled it in XXXX and requested to pay the remaining balance. I was offered the pay off balance months later. The only debt I owe is for a vehicle im financing through XXXXXXXX XXXX XXXX, I have two late payments due to a engine service i had to pay out of pocket, I spoke to them ahead of time and they still marked me down as late for 2 payments. Every debt that is late on my report has been paid I only ask to remove the late payments for all. There's 2 other paid debts from salary finance and merchant bank, those are XXXX XXXX XXXX paid an full but it has negative inquiries for late payments due to pandemic covid 19.

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 2025-05-01 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: CA

Complaint narrative:
In accordance to the federal reporting act this creditor has violated my rights. UNDER 15USC section 602 states I have the right to privacy. Under 15 USC SECTION 1681 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. I have a paid debt for credit one that's paid
and settled. All 3 credit bureaus have my payments as late. I respectfully ask for all late payments on my report to be cleared. It says that I have 120 day late payments for XXXX XXXXXXXX when I canceled it in XXXX and requested to pay the remaining balance. I was offered the pay off balance months later. The only debt I owe is for a vehicle im financing through XXXXXXXX XXXX XXXX, I have two late payments due to a engine service i had to pay out of pocket, I spoke to them ahead of time and they still marked me down as late for 2 payments. Every debt that is late on my report has been paid I only ask to remove the late payments for all. There's 2 other paid debts from salary finance and merchant bank, those are 6 years old paid an full but it has negative inquiries for late payments due to pandemic covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b'on XXXX  I electronically sent XXXX to the wrong credit card company. I sent it to Chase Card Services and they claim they do not have the money and I do not have any account with them. My bank, XXXX, provided a XXXX  with the ACH trace XXXX XXXX  confirming the XXXX were sent to Chase Credit Cards services on XXXX. I personally went to Chase Bank they referred me the Chase Credit Card Service. XXXX XXXX XXXX I called Chase Card Srvs and they are not claiming receipt of the XXXX  I would like my XXXX XXXXeturned. Thank you.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-01 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:
I Do not have a signed contract bearing my signature nor did I authorize the company to obtain my information my rights to privacy were violated under the FDCPA and FCRA According to FCRA Section 605B it is illegal to report anything on my credit report without my permission please remove these negative items. Thank you account numbers and amounts listed below with reporting Bureaus Transunion : XXXX Account # XXXX Amount {$980.00} Original Amount {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Amount {$980.00} Original Amount {$1000.00}

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