vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  XXXX is reporting 3 accounts to my credit report that have been settled. The balance should be XXXX and not reporting charged off anymore. I request removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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 am filing this complaint against Experian for failure to provide a valid Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed multiple accounts on my credit report, requesting validation. Despite my formal dispute, Experian verified the accounts without providing proper documentation or the source of their verification. 

Disputed Accounts : XXXX. XXXX XXXX XXXX {$640.00} ( Original Creditor : XXXX XXXX XXXX  XXXX. ) XXXX. XXXX XXXX XXXX XXXX {$640.00} ( Original Creditor : XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) {$920.00} XXXX. XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX {$29.00} Per FCRA 1681i ( a ) ( XXXX ), I formally requested that Experian disclose the specific Method of Verification ( MOV ) used to verify these accounts. Under federal law, Experian must provide the name, address, and contact information of the furnisher of information and describe the procedure used to verify the accuracy of the accounts. 

However, Experian has failed to comply with my request and has refused to provide a legally sufficient MOV. This is a direct violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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 filing this complaint against Experian for failure to provide a valid Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed multiple accounts on my credit report, requesting validation. Despite my formal dispute, Experian verified the accounts without providing proper documentation or the source of their verification. 

Disputed Accounts : XXXX. XXXX XXXX XXXX {$640.00} ( Original Creditor : XXXX XXXX XXXX  XXXX. ) XXXX. XXXX XXXX XXXX XXXX {$640.00} ( Original Creditor : XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) {$920.00} XXXX. XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX {$29.00} Per FCRA 1681i ( a ) ( XXXX ), I formally requested that Experian disclose the specific Method of Verification ( MOV ) used to verify these accounts. Under federal law, Experian must provide the name, address, and contact information of the furnisher of information and describe the procedure used to verify the accuracy of the accounts. 

However, Experian has failed to comply with my request and has refused to provide a legally sufficient MOV. This is a direct violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
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 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Today, XX/XX/XXXX2025, I opened the paypal app to check something and was very surprised to see that they say im negative- {$160.00}. I knew immediately that this was wrong. I immediately called them to straighten this out but they first said theyd emailed me about this situation on XX/XX/XXXX about the event they say happened XX/XX/XXXX2024. 100 % without a shadow of a doubt i never received this supposed email. In the end i was on the phone about an hour and a half and was transferred multiple times but no one could explain what was going on and i had to call back XXXX because they kept hanging up on me. The problem is this : at XXXX time i had linked my XXXX XXXX  bank card ( XXXX Bank ) with my paypal card. On XX/XX/XXXX, XXXX fraudulent charges in the total amount of {$160.00} were made on my paypal prepaid card- which had a XXXX balance- so the money was transferred from my XXXX account and given to the businesses the fraudster was sending money to. When I discovered this, I called XXXX and filed a fraud dispute. They investigated and refunded me the money. I thought that was the end of the matter. Now, several months later Im suddenly being told by paypal that theyve charged me {$160.00} because they also refunded me the money. This is completely false. I never received anything from them. Just looking at the transactions on my paypal account you can see that there is XXXX evidence that i was ever credited the {$160.00}, because it never happened. I asked them to show me where i was credited by paypal but i was hung up on. After a very stressful hour and a half and being hung up on again by a supervisor, I gave up. They would not let me simply file a dispute- they insisted i keep being transferred to yet another person only to be put on hold interminably/hung up on. My only hope is that you guys can help me. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
In XXXX and XXXX : I used Zelle pay my landlord and there was a time when she wasn't receiving my payments but the money was being taken out. I called to have the problem solved, and it eventually was, but not before my account was overcharged through XXXX banking. This caused severe monetary strain and mental duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
please see attachment my name is XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ohio XXXX Hello, I am just responding back to your email. I understand that you have requested One copy of a government-issued identification card, such as a drivers license, state ID card, etc., displaying your current address, and One copy of a current utility bill, bank or insurance statement, etc. 
Please also include the following identification information : Your full name, including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years but when you have a moment, could you please update my credit report since you have my bankruptcy petition? Thank you for your assistance on 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 explanation
Consumer complaint received 2025-02-27 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 am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXXAccount Name : XXXX XXXXAccount Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent f
or the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
please see attachment my name is XXXX XXXX XXXX XXXX XX/XX/1965 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ohio XXXX Hello, I am just responding back to your email. I understand that you have requested One copy of a government-issued identification card, such as a drivers license, state ID card, etc., displaying your current address, and One copy of a current utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name, including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years but when you have a moment, could you please update my credit report since you have my bankruptcy petition? Thank you for your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
There was a data breach and my information leaked was and. used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Failure to Properly Handle Identity Theft Dispute Demand for Immediate Removal File Number : XXXX Disputed Account : XXXX XXXX ( Account No. XXXX ) To Whom It May Concern, I am writing to formally dispute the XXXX XXXX account ( Account No. XXXX ) that has been improperly reinserted into my TransUnion credit report. Despite my submission of an identity theft report, which has been confirmed received via mail, TransUnion has failed to handle this matter in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681c-2, TransUnion is required to block fraudulent items from my credit file within four business days of receiving a valid identity theft report. However, when I contacted TransUnion, I was incorrectly told by a representative that the item could not be removed because it was reinserted. This is a direct violation of my rights under federal law.

Legal Basis for Immediate Removal Mandatory Blocking of Fraudulent Items : The FCRA requires that consumer reporting agencies block any item that is the result of identity theft within four business days of receiving an identity theft report.

TransUnion has confirmed receipt of my identity theft report but has refused to act in compliance with federal law.

Reinsertion Does Not Override My Rights : TransUnion can not legally refuse to block a fraudulent item simply because it was reinserted.

The law explicitly prohibits the reinsertion of a blocked item unless the furnisher provides verification that the account belongs to me, which I dispute.

Next Steps & Potential Escalation I demand that TransUnion immediately remove and block this fraudulent account from my credit report, in compliance with 15 U.S.C. 1681c-2. If this account is not removed within five business days, I will take the following steps : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office regarding TransUnions noncompliance.

Pursue legal action for willful noncompliance under 15 U.S.C. 1681n, which entitles me to damages, legal fees, and other remedies.

I expect written confirmation of this accounts removal and a corrected copy of my credit report reflecting this change. Please be advised that failure to comply with federal law will result in further action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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 received the response from this c editor that they verified the address and phone number. I will attach a copy of their CFPB response. 

This account belongs to my mother. At which the address they verified belongs to her. 

This is clear violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hello, I'm being charged on my loan account for XXXX dollars by Macy for an credit card i never owned or ever purchased back in 2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
My name is XXXX XXXX. My identity was stolen and I have been dealing with the fallout for years XXXX  Some of the perpetrators were arrested but it was a group and others still use my identity and credit in various ways. I just found out that someone was using my information in XXXX  and XXXX  XXXX XXXX for XXXX and XXXX. They had identification and drivers license in my name but their pictures. The person in XXXX  is white but I am XXXX XXXX however they were able to get past XXXX. This means that they registered a vehicle and had insurance in my name. Ive also received medical bills in my name that were not mine. 
They also had duplicates of my credit cards and could use my credit cards at anytime. Because they had all of my information they could go into the credit bureaus and change or reverse anything that I did. Its been horrible and stressful for years. With the recent information breaches fraudulent activities have increased. Im even more frustrated because companies ask me questions and for information that I dont have because others are using my identity. They even used my bank account to make payments to make it look as if it was me making the payments. I struggled to keep up payments because I wanted to maintain good credit and I felt like there was nothing more that I could do because I couldnt get help. Now I cant make the payments and my credit is suffering. The problem is I did use the cards but others were using them also but I was stuck paying the bills. Ive payed my debts but been forced to pay others debts as well. Ive been successful in challenging some things but its hard to deal with this situation because some of it is me and lots of it is fraudulent. This has caused me to have panic attacks and close to a nervous breakdown along with other issues in my life. My credit debts is so convoluted by fraud that Ive considered getting a new social security number and starting over. I dont know what to do! 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