vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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 non-monetary relief
Consumer complaint received 2025-03-07 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:
This was unauthorized/fraudulent use of my identity.

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 2025-03-07 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experians is selling a service called experian works where you can view credit report for all 3 bureaus. I paid for the service XXXX XXXX XXXX and have been unable to see my report for XXXX as well as XXXX when I called experian I was transferred to the dispute department because they said my address was missing the apartment number and said that it was updated and I should see my trans and XXXX in 48 hours. Well today XXXX XXXX XXXX I still am not able to see because the agent updated with incorrect apartment number. This is extremely frustrating to pay for a service you cant use. Please help

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 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Hackers got my XXXX credit card account information. They then opened a Business account with PayPal using the information from my personal Paypal account. They were able to get my social security number from Paypal or XXXX. When XXXX denied a {$800.00} charge to XXXX XXXX through PayPal on XX/XX/XXXX, they opened the Paypal Visa Debit Account. The information I did receive from Paypal and what I figured out is as follows along with the steps I have taken regarding my identify theft : The email used on the business account was different from mine. I don't know if it was XXXX XXXX XXXX 
On XX/XX/XXXX, I closed all XXXX XXXX Accounts I believe people purchased XXXX but never received it. Paypal said one person paid {$440.00}. The people who were scammed have had their funds returned. 
Paypal told me there was activity on the Business account with PayPal on XX/XX/XXXX - XX/XX/XXXX. 
I froze the Credit Bureau accounts for XXXX XXXX on XX/XX/XXXX and for my husband on XX/XX/XXXX. I reported fraud to the Credit Bureaus on XX/XX/XXXX. 
I spoke with XXXX, XXXX, and XXXX ( phone names I presume- not real names ) at PayPal among others. One day I waited on the phone for 2.5 hours for a supervisior and finally gave up. 
They told me PayPal does not report to the Credit Bureaus. I had no idea my Identity had been stolen until I received a collection letter from XXXX XXXX XXXX, XXXX on XX/XX/XXXX. 
I opened an account with the Federal Trade Commission and now have an XXXX XXXX. I have closed changed passwords. I closed my accounts with PayPal and XXXX and have alerted all lenders. 
I resent the Federal Trade Commission request for information to PayPal again on XX/XX/XXXX, to XXXX.paypal.com as they originally requested. 
PayPal has sent me no correspondence and will provide very little information after many requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: MO

Complaint narrative:
My student loans ( XXXX ) were taken out of Income Based Repayment and forbearance without my knowledge. I reached out to them and they were to put everything into " current '' status. They even credited me all of the late fees, because of the issue, but said that there is nothing that they can do about the credit reporting. 

I had no Idea that this had happened until multiple loans hit my credit report at once and my score dropped very significantly. I only discovered it by checking my Experian report because I am within days of getting a home loan and this will drastically affect my financing. I really need help here to get this fixed and my report updated. 

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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
In XXXX I requested debt validation from this company to which they sent a statement that did not meet the requirements for validation of debt. Legally they are required to provide the following documents in order to properly validate a debt : - A signed agreement or original contract from original creditor that has my signature. 
- Proof of ownership, assignment, or transfer of debt from original creditor to collection agency to prove they can legally collect the debt. 
- An itemized breakdown of the amount owed including any, interest, fees or payments made. 
I reached out to them on XX/XX/XXXX to inform them that they were in violation of my rights by continuing to attempt to collect this debt as well as continue to report it to credit bureaus since they could not validate the debt as mine, or as theirs to legally attempt to collect. 
They advised me to submit another dispute. So, I sent a letter VIA fax which they have confirmed that they have received. They were given 10 business days to respond in writing that they have complied with the following legal requirements : - Ceased all collection efforts on this unverified debt. 
- Stopped reporting this account to credit bureaus. 
- Requested the removal of any credit reporting related to this debt. 
I have not heard anything from them, and attempting to communicate with them has gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

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 explanation
Consumer complaint received 2025-03-07 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: AL

Complaint narrative:
My information was expose in the data breach and alot of incorrect charge off and delinquent on my credits that I'm not aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Atlanticus Services Corporation
State: WY

Complaint narrative:
XXXX credit card has been reporting on my credit that my card is past due but wont fix the situation, Ive called repeatedly and asked them to send me paper bills every month, I have XXXX cards through them, they send me paper bills for XXXX account but not the other, they wait XXXX months and then report your card as past due even though Ive requested paper bills, I pay all my bills every month in full, I work hard to make sure my credit is good and XXXX  has been reporting false information. I told them I can pay the account in full to get me current but they refuse to do so even though its their fault, I dont know what to do at this point besides lawyer up and sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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:
Subject : Complaint Against TransUnion for Inaccurate Reporting Dear CFPB, I am filing a formal complaint against transunion for inaccurately updating my credit report. After several months disputing a charge-off account, XXXX added late payments, which is incorrect and damaging to my credit score. This violates the Fair Credit Reporting Act ( FCRA ) as they are reporting false and harmful information. 

I request an immediate correction and removal of these inaccurate late payments. I appreciate your prompt attention to this matter.

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 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank
State: AL

Complaint narrative:
XXXX bank ATM machine in the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) stole my debit card And when I called the bank to retrieve it they told me that they could not retrieve it and that when it was collected they were going to destroy it, that they held no liability for THEIR machine stealing my card and that I would be 100 % liable for any fees incurred in its replacement and that I'm just going to have to wait for a new card. This puts a serious financial hardship on me as I need my card to pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CT

Complaint narrative:
For over two years now I have had an issue with Equifax. I am unable to create an account and in turn can not access my credit report to review and dispute. When signing up Equifax ask 's identity verification questions all of which are invalid and do not apply to me. I have called multiple times and have gotten no where. Equifax has no solution and it seems they don't fully comprehend the situation. Upon looking into this issue further online, I found forums with people all over that are having the same exact problem. Identity verification questions that do not relate to me or anything on my credit report. They are allowing this to continue which is unacceptable. They are effectively preventing people from knowing or disputing anything on the report because we can't access it. They haven't made any effort to fix this issue which is denying everyone 's rights to their credit report. If they don't resolve this issue I will be looking to start a class action lawsuit seeing as how this involves people from all over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX collection XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had a personal line of credit ( PLOC ) with the XXXX XXXX XXXX. The PLOC was sold to JP Morgan Chase as part of the sale of XXXX XXXX. Subsequently, JP Morgan Chase put XXXX in charge of servicing my PLOC. 

XXXX, which is servicing my PLOC on behalf of JP Morgan Chase, has withdrawn from my bank account ( XXXX XXXX XXXX checking ) to pay off the entire loan amount ( {$25000.00} ) without my authorization on XXXX XXXX XXXX. 

This mistake by XXXX has resulted in an overdrawn status for my checking account as well as delinquent payments for my mortgage payment, credit card payments, etc. 
I noticed this mistake by XXXX on XX/XX/XXXX, when I was notified by my bank ( XXXX XXXX XXXX checking account ) that my balance was below zero. I called the XXXX customer service to reverse their mistake, and I have not heard back from XXXX to correct this mistake. 

I am shocked to learn about the lack of controls at XXXX, which allowed this type of mistake to be made by a customer service agent, and I am even more shocked by the lack of response and communication from XXXX in terms of resolving this issue as soon as possible. As I understand that XXXX is a servicing entity, but the PLOC is owned by JP Morgan Chase, so I am filing my complaint against JP Morgan Chase, who is responsible for choosing the servicing company.

Due to their mistake, my credit score is suffering tremendously, which will result in higher interest payments for future mortgages, missed investment opportunities, mental stress, embarrassment, and mistrust in the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-07 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: AZ

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 2025-03-07 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: AZ

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 non-monetary relief