vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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, XXXX XXXX XXXXXXXX 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 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 2025-05-02 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, XXXX XXXX XXXXXXXX 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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I discovered fraud charges to my debit card approximately XX/XX/XXXX. The total amount of unauthorized transactions was {$2000.00}. I immediately called my credit union ( Navy Federal ) to freeze the card, notify them of the charges, and issue a new debit card. Immediately after the freeze on the card ending in XXXX, I cut the card up and disposed of it. 

I submitted a fraud inquiry to the bank and they denied my initial requests on XX/XX/XXXX. I appealed their decision and provided more proof of the fraudulent activity. I provided screenshots of my old and frozen debit card still being attempted for use. 

On XX/XX/XXXX I reached out in regards to the case and I was informed that the decision still stands. NFCU will not honor my request of fraudulent activity and will not reimburse lost funds. 

I belive the evidence provided is a slam dunk in my favor. I've never had an issue with my credit union in this matter. 

The account that I'm referring to is my business account, therefore 90 % of my transactions should be easily recognizable due to their reoccurrence on a monthly basis. 

I am the sole provider for a family of XXXX and {$2000.00} is not a small amount for us. Please help, and thank you for you time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: AZ

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 2025-05-02 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : 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  I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NC

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 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
Collection Bureau of America is reporting a past due balance on my credit report for an account I do not recognize. I am not aware of any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CO

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-02 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, LA XXXX -Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX LA XXXXIncorrect Name : - XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-05-02 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: TN

Complaint narrative:
I am disputing multiple inaccurate and outdated entries on my credit report. Several accounts have been charged off or sent to collections, yet they continue to report with balances, or are listed by both the original creditor and a collection agency. This is misleading and violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting. 

Here are the accounts in question : XXXX XXXX  : Charged off with a {$1800.00} balance still reporting. Last payment was years ago, yet status keeps updating. 

XXXX XXXX  : Charged off, {$2600.00}, continues to show recent updates despite being closed. 

XXXX XXXX XXXX : Listed as past due despite recent activity. Account should be reviewed for accuracy. 

XXXX XXXXXXXX XXXX XXXX : Charged off with {$2900.00} past due, though payments were made. Information appears incorrect. 

XXXX XXXX XXXX XXXX XXXX  ) : Collection account reporting {$160.00} past due ; XXXX is no longer the creditor. 

XXXX XXXX XXXX Charged off for {$2800.00} despite a large portion of the loan being repaid. 

XXXX XXXX ( XXXX ) : Collection account for {$820.00}, though debt was previously disputed and unvalidated. 

XXXX XXXX ( XXXX XXXX ) : Debt buyer account for {$1300.00} ; balance is incorrect and improperly updated. 


These accounts are harming my credit standing and should be deleted or corrected immediately unless fully verified with proper documentation. Ive attempted to dispute these directly with the credit bureaus and received no resolution.

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 2025-05-02 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: TN

Complaint narrative:
I am disputing multiple inaccurate and outdated entries on my credit report. Several accounts have been charged off or sent to collections, yet they continue to report with balances, or are listed by both the original creditor and a collection agency. This is misleading and violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting. 

Here are the accounts in question : XXXX XXXX  : Charged off with a {$1800.00} balance still reporting. Last payment was years ago, yet status keeps updating. 

XXXX XXXX  : Charged off, {$2600.00}, continues to show recent updates despite being closed. 

XXXX XXXX XXXX : Listed as past due despite recent activity. Account should be reviewed for accuracy. 

XXXX XXXXXXXX XXXX XXXX : Charged off with {$2900.00} past due, though payments were made. Information appears incorrect. 

XXXX XXXX XXXX XXXX XXXX  ) : Collection account reporting {$160.00} past due ; XXXX is no longer the creditor. 

XXXX XXXX XXXX Charged off for {$2800.00} despite a large portion of the loan being repaid. 

XXXX XXXX ( XXXX ) : Collection account for {$820.00}, though debt was previously disputed and unvalidated. 

XXXX XXXX ( XXXX XXXX ) : Debt buyer account for {$1300.00} ; balance is incorrect and improperly updated. 


These accounts are harming my credit standing and should be deleted or corrected immediately unless fully verified with proper documentation. Ive attempted to dispute these directly with the credit bureaus and received no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject Formal ( Demand for Immediate Deletion of Inaccurate Late Payments Violation of FCBA & DOFD To whom it may concern, I am writing to formally dispute the inaccurate reporting of late payments on my credit report regarding the following accounts Credit Name 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 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 Under the Fair Credit Billing Act ( FCBA ) [ 15 U.S.C & 1666b ] I demand a thorough investigation into the accuracy of this reporting. The FCBA explicitly states that creditors must provide complete and accurate billing information and correct any errors.

Furthermore under 15 U.S.C & 1681c ( a ) ( 4 ), credit bureau are required to correctly report the Date Of First Delinquency. If the late payment was improperly, re-aged, re-reported or misrepresented in anyway this constitutes a clear violation of the law. 

I demand the immediate removal of these late payments as they do not accurately reflect my payments, as they do not accurately reflect my payment history. Failure to comply will result in further legal action and a formal complaint to the State Attorney General Federal Trade Commission and XXXX XXXX XXXX 

Iexpect written confirmation within 30 days that this inaccurate information has been permanently deleted. 

Sincerely,

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 2025-05-02 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:
Ive been disputing lvnv collection on my credit report as it is not mine and have been having some difficulties since the credit bureaus keep reporting this collection as accurate. Causing me quite a few problems getting a car and a secured credit card to help me live my life. I reached out to the debt collector personally and only when I filed a report on the cfpb website did they agree to remove and close my debt. However the credit bureaus still have this collection on my credit report only marked as closed. The debtor said they were informing the bureaus to remove this from my report. Them not doing so is illegal and a violation of my fair credit rights. This collection has been removed from my credit report and placed back on there as well I am very upset and I know I am entitled {$1000.00} for each violation according to the fair credit reporting act. 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
Ive been disputing lvnv collection on my credit report as it is not mine and have been having some difficulties since the credit bureaus keep reporting this collection as accurate. Causing me quite a few problems getting a car and a secured credit card to help me live my life. I reached out to the debt collector personally and only when I filed a report on the cfpb website did they agree to remove and close my debt. However the credit bureaus still have this collection on my credit report only marked as closed. The debtor said they were informing the bureaus to remove this from my report. Them not doing so is illegal and a violation of my fair credit rights. This collection has been removed from my credit report and placed back on there as well I am very upset and I know I am entitled {$1000.00} for each violation according to the fair credit reporting act. 15 U.S.C. 1681

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Greetings, My name is XXXX XXXX. I have been with Wells Fargo for XXXX years. I have XXXX  for my XXXX XXXX I been in hospital XXXX XXXX XXXX  my account in a month behind. I spoke with XXXX in escalation with his smart mouth. I understand I'm XXXX month which I've ever been late. Wells Fargo XXXX XXXX XXXXe payment XXXX .I could see if I was XXXX  months behind. I got out hospital was in there a month they could of cover payment. This what the XXXX  does to the low income Americans. I feel when i need they wasn't there and fail they customer service has gotten ridiculous. They rep has a smart mouth well there will be no justice today .Karma is something what goes around comes around I asked him to escalate me to someone higher he refused. I just want people like me that's gong through similar situations to be treated fairly. They don't care the XXXX have gotten lazy dnt wan na do job u have had multiple issue trying to make me pay for service which I hadn't received credit clothes etc

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 2025-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems is reporting a collection account with a balance of {$760.00} that originated from XXXX XXXX. The original XXXX account was charged off and closed years ago, but Jefferson is falsely labeling this as an XXXX account with a past due balance and a XXXX  term. This is an intentional misrepresentation that re-ages the debt to make it appear more recent than it actually is. 

This tactic is not only deceptive, it's illegal. Ive attached proof from the original XXXX report that clearly shows the true status and age of the account. Jefferson is a third-party debt buyer, not a lender, and has no legal basis to report payment terms or a creditor-style open status. They are attempting to rewrite the age and character of this debt to manipulate the credit reporting system and cause further damage to my credit. 

I requested full validation of this accountincluding proof of ownership, a breakdown of charges, and a copy of any contract between myself and Jeffersonbut none has been provided. Yet they continue to report false information to the credit bureaus as of XX/XX/year>. This is a violation of FDCPA XXXX ( XXXX ) ( A ), XXXX XXXX standards, and frankly, common decency. This kind of shady re-aging tactic is done on purpose, and they should be held accountable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: SD

Complaint narrative:
On XX/XX/year>, I received an unexpected {$100.00} payment through PayPal from someone I did not know and had no prior interaction with. I did not solicit this payment, nor did I provide any goods or services in return. Given the lack of transaction details and the suspicious nature, I assumed it may have been an error or scam and took no action, expecting PayPal to resolve the issue appropriately. 

Apparently, a dispute was opened by the sender, and PayPal attempted to contact me by email however, those messages were filtered into my spam folder and went unnoticed. As a result, PayPal refunded the payment to the sender and charged me a {$15.00} dispute fee, despite the fact that I had done nothing wrong. 

This charge is fundamentally unfair. I did not initiate, accept responsibility for, or benefit from the transaction in question. Penalizing me for not responding to unsolicited activity particularly when that communication failed due to spam filtering is an unreasonable and potentially unethical business practice.

Company response to consumer: Closed with explanation