vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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:
Unauthorized inquiries unexpectedly appeared on my credit report this morning, and I dont understand how or why. I was performing my usual credit check when I noticed the discrepancies. Thinking it could be a system error, I refreshed my browser, but the problem persisted. This situation is incredibly stressful, and I demand immediate action. Kindly review the documents Ive sent and resolve this issue completely so I can have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: FL

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 non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm looking at my personal credit report and noticed fraudulent hard inquiries on it. I want to remove these fraudulent inquiries as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I recently disputed late payment with XXXX about this account Amex # XXXX they claim they verified this account with the ( funisher ) which is American Express and the information was verified. The dates in question are XXXX and XX/XX/XXXX are both reporting 30 days late. XX/XX/XXXX and XX/XX/XXXX are both reporting 60 days late. 
How can I be 60 days late without being 30 days late. This account is reporting inaccurate so how was iI verified according to the fair credit act anything reporting to a credit report has to be completed and accurate. This is clearly a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
I reviewed my consumer reports and noticed that i had many late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had many late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached

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 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have been a PayPal customer for over 20 years. Over the past year or so, I have been getting more security verifications when logging in than ever before - nearly every time. There have always been multiple options, some of which involve texting, which I do not have access to as I only have a landline phone. Over this period, I notified PayPal multiple times that the phone number they list as a mobile number is not, in fact, a mobile number. Up until the last few days, there was always an option I had access to such as verifying a credit card number on the account, or an e-mail verification. Just a few days ago, there were only two options, both texting-related. I called PayPal and explained the situation. The person I spoke to asked many nonsense questions about e-mail address, home addresses, businesses, people, etc., none of which I had ever heard of. He was finally able to get me into my account after about 40 minutes on the phone, and told me he would correct my phone number to a landline. After getting off the phone, I got two e-mails, the first saying I removed my phone number, and the second saying I added my phone number as a mobile phone - the exact thing he said he wouldn't do. The next day I was locked out of my account the same way. I called, but was not able to access my account. On this second call, I had the agent put a lock on my account so that no payments could be received for the time being, as I would have no way to deal with the funds or the orders ( this is during the busy holiday shopping season, and I make my living through online sales - thankfully mostly through XXXX where I don't deal with PayPal ). I need ongoing access to my account. I would appreciate less frequent verifications, but at minimum, any verifications I am asked to complete need to be accessible to me with a desktop computer and landline phone only. I am tired of being treated like a criminal due to my choice not to use a cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX : XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I am sending you an FTC report regarding these fraudulent inquiries, and you refused to remove them, which is against the FCRA. I have contacted you several times regarding this matter, and you have not responded! If you do not remove these inquiries, I will seek an attorney. I know my consumer rights, and your company is not following the FCRA. I am a natural person, exactly as I have stated in this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 

Once again, here are the inquiries that WERE NOT AUTHORIZED : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX : XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: OH

Complaint narrative:
XX/XX/XXXXXXXX  Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$20000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX Balance {$160.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$360.00} Date Opened XX/XX/XXXX **Inquiries** XXXXXXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXXXXXX 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 2024-12-10 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: OH

Complaint narrative:
XX/XX/XXXXXXXX  Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$20000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX Balance {$160.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$360.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Long wait with no answer to customer service call. I signed up for Barclay XXXX with XXXX miles bonus reward. I have not received the promised mileage in my XXXX XXXX  account.

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 2024-12-10 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.
State: NY

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im completely baffled. I woke up today and saw inaccurate accounts on my credit report that I didnt recognize. I routinely monitor my credit, and this has never happened before. I even refreshed the page, thinking maybe it was some kind of technical glitch, but the inaccuracies didnt go away. Im begging for a thorough check of the documents Ive provided so I can finally have peace of mind.

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 2024-12-10 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-12-10 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2024-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
On XX/XX/XXXX I initiated a {$600.00} payment through PenFed for my auto loan. On XX/XX/XXXX, I saw this payment was returned by my financial institution, XXXX XXXXXXXX XXXX  so I moved some more money into my checking account and initiated another payment. PenFed shows this transaction as being returned on XX/XX/XXXX although it cleared XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I tried accessed my account to set up my next payment, but did not see the loan. 

I called PenFed on XX/XX/XXXX and learned there was a repossession order on my car and that PenFed was saying both payments had been returned. I was told I needed to go to my bank and get a print out showing the transaction had cleared. I did this and was given a receipt showing the amount of the transaction, a tracer number, and other details and the branch manager signed it and provided a phone number. When I called later in the afternoon to submit this document, the person I talked to seemed skeptical and wanted a screenshot of my bank account. I did this, and because I did not hear back I called PenFed the next day and was told this was denied because the screenshot did not show the details they wanted. The person I spoke to on this occasion seemed more willing to help. They said it was unusual for an ACH transaction to return the very next day and they put me on hold while they spoke to the ACH department. When they came back on the line, they mentioned that the ACH department couldnt see where this was returned and told me it would be sent to investigations. As a courtesy, she put a hold on the repo order through the end of the week. 

I did not hear back from PenFed so I called back on XX/XX/XXXX and they read the notes on my account and said it looked like investigations did not have the information they needed and they would submit the request again. 

On XX/XX/XXXX I made a payment for roughly {$2000.00} to stop the repo order on my car. This included a {$200.00} fee to stop the repo as well as the {$600.00} that I already paid. My loan was restored, however I have still not been credited this payment. I was also charged {$30.00} for the allegedly returned payment and I do not believe my car would have been up for repossession if this payment was processed properly.

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 2024-12-10 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: TX

Complaint narrative:
I reached out to Equifax multiple times because my credit report will not show up on any credit monitoring website. Im sure some information is wrong, but I sent in correct information already. If I can get some assistance here, I would gladly appreciate it. Ive been a victim of identity theft for a long time, so that might be the problem as well. I will attach my ID and social security card below so we can get this situation handled.

Company response to consumer: Closed with explanation