vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MO

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. 
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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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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. 
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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: Experian Information Solutions Inc.
State: FL

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Im writing to bring attention to an unauthorized inquiry on my credit report. I did not give consent for this inquiry, and I have no knowledge of it. This is an error that needs to be corrected immediately.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA currently has a hold my XXXX  compensation check I deposited in to my account XXXX XX/XX/year>. They will not give specifics on what was returned or made my account negative. USAA has not been putting holds check prior to this incident, nor have they providing anything in writing.

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 — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I tried to transfer money to XXXX. One transaction I confirmed and it went well but the second transaction I didn't press confirm and pay button but it went out anyway to the person whom wasn't supposed to get the money. The wise transfer did that automatically without me confirming on the button. The person returned me money but I lost {$170.00} cents on that transaction back and forth because of the different currency. I would like to receive my money what I lost during that transaction but the company WISE wants to pay me only around {$58.00} but I know that it wasn't my mistake and I would like to receive whole amount. Please help me with that problem.

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: EQUIFAX, INC.
State: OK

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 2025-03-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to report XXXX XXXX. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. Thank you for your prompt attention to this matter. 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by 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 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi, my identity has been stolen and i have someone making charges and opening accounts with my information. I called BestBuy on XX/XX/25 and they mentioned my card had been reported stolen and all my other charges have been disputed and refunded. Now i see another charge on XX/XX/25. It is NOT ME!!! Someone is impersonating me and making charges on my account, please remove all charges from my account as well as not issue any more cards for the time being as someone clearly has access to your systems.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, and the issues continue to negatively affect my credit score and financial standing. As you are aware, Equifax experienced a significant data breach in XXXX which exposed the personal and financial information of millions of consumers, including myself. This breach may have contributed to the erroneous information on my credit report, which has not been rectified despite previous attempts to resolve these disputes.

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: MD

Complaint narrative:
I am filing this complaint against TransUnion for their failure to respond to my dispute and investigate inaccurate items on my credit report, as well as to address a newly identified inaccuracy, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). I mailed a dispute letter to TransUnion via XXXX XXXX mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into the following inaccurate accounts, inquiries, and public record : XXXX XXXX XXXX : Payment status states " 30 days past due, '' but the XXXX payment history shows all payments on time ; number of months ( terms ) not reported. 
XXXX XXXX - XXXX : Comment states " Chapter XXXX bankruptcy, '' which is inaccurate as this account was not part of any bankruptcy filing. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Payment status states " Unrated or bankruptcy, '' but this account was not XXXX through bankruptcy ; date of last payment ( XX/XX/XXXX ) is inaccurate with no payment reported for XX/XX/XXXX ; number of months ( terms ) not reported. 
XXXX XXXX XXXX XXXX : Payment status states " 60 days past due, '' but the XXXX payment history does not reflect this ; date of last payment ( XX/XX/XXXX ) is inaccurate with no payment reported for XX/XX/XXXX ; number of months ( terms ) not reported. 
XXXX XXXX - XXXX XXXX XXXX : Unrecognized public record that may be inaccurately matched to me. 
XXXX XXXX - XX/XX/XXXX : Unrecognized inquiry. 
XXXX XXXX - XX/XX/XXXX : Unrecognized inquiry. 
My dispute letter included all required identity verification documents as per FCRA standards to facilitate a thorough investigation. Despite my efforts, TransUnion has not responded to my dispute, nor have they addressed the inaccuracies. Additionally, I have identified the following new inaccurate account on my credit report that requires immediate investigation and correction : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Inaccurate XXXX late payment reported for XX/XX/XXXX. 
XXXX failure to respond to my initial dispute and their failure to ensure the accuracy of this additional account violates my FCRA rights under Sections 1681i ( requiring a reasonable investigation ) and 1681e ( b ) ( requiring maximum possible accuracy ). This inaction and the presence of inaccurate reporting continue to harm my credit profile, misrepresenting my creditworthiness and affecting my ability to secure credit.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Reached out to company several times requesting proof of debt and proof of original owner. I still have not received any update.

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: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

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

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I am filing this complaint against Southwest Credit Systems XXXX for reporting a fraudulent collection account that I never authorized or agreed to. 
This collection was previously removed, but Southwest Credit Systems illegally reinserted it onto my credit report. 
The account ( No. XXXX ) was falsely reported as opened on XX/XX/XXXX, and updated on XX/XX/XXXX. 
I have disputed this collection multiple times, yet Southwest Credit Systems has failed to provide proper validation or remove the account. 
This collection is fraudulent and not mine. 
FCRA Violation ( 15 U.S.C. 1681s-2 ( b ) ) Southwest Credit Systems XXXX XXXX previously deleted collection account without proper verification, which violates the Fair Credit Reporting Act ( FCRA ). They failed to notify me in writing within XXXXve days, as required by law.

FDCPA Violation ( 15 U.S.C. 1692g ) I requested validation of this debt, and Southwest Credit Systems failed to provide proper documentation proving the debt is mine. This is illegal debt collection activity.

FCRA Violation ( 15 U.S.C. 1681b ) They are reporting fraudulent and inaccurate information, damaging my credit without proof that I owe this debt. 
Continuous False Reporting The collection was last reported on XX/XX/XXXX, even though I have formally disputed the debt. This violates federal consumer protection laws. 

Credit Bureau XXXX XXXX XXXX, XXXX, XXXX- If Applicable ) : The credit bureaus wrongfully verified this fraudulent collection even though Southwest Credit Systems failed to validate it. 
If the bureaus reinserted the collection without following FCRA notification rules, they are also in violation. I sent a formal dispute letter to Southwest Credit Systems, yet they failed to validate the debt. 
The collection was removed before, but Southwest Credit Systems reinserted it illegally. 
The credit bureaus continue reporting a fraudulent collection that has not been validated. 
This collection is damaging my credit and preventing me from obtaining essential financial opportunities.

Company response to consumer: Closed with non-monetary relief