vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report I discovered several unauthorized hard inquiries that I do not recognize. I have contacted the credit bureaus to dispute these hard inquiries and request the removal. Unfortunately the credit bureaus refused to remove them off of my report. This issue is causing undue stress and is negatively affecting my financial standing. 
XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Experian account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

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 2025-06-03 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: CO

Complaint narrative:
Merchandise was purchased from XXXX XXXX ( XXXX ) in the amount of {$490.00} on XX/XX/year>. Some of the merchandise, which was sent to us by XXXX XXXX, was not the correct items. One of the packages contained an electronic programmable door lock, a USB cable and a large purple balloon ( rather than the toys we ordered ). The disputed amount was {$84.00} for the two missing items from my order. We contacted XXXX  to open a return for the wrong items that were sent to us. We provided all of the required information to XXXX  ( photos of the package, items received and the shipping label ). XXXX XXXX denied our return. So we went to Paypal and filed a payment dispute with them. Paypal has decided in favor of XXXX XXXX, citing that I did not provide them with tracking details showing that the items were returned to XXXX XXXX in time. Only I did provide them with the tracking details ( on time ) of the return shipping label that was provided to us by XXXX XXXX. I also provided them with photos of the shipping label and the package that was being returned, as well as a tracking link to XXXX showing the tracking information and tracking updates. The return was delivered successfully to XXXX XXXX ' warehouse here in the USA on XX/XX/year> and tracking confirms that. Furthermore, Paypal closed the case on XX/XX/year> and as you can see from the attached screenshot, they gave me until XX/XX/year> to Appeal their biased decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Please see closed complaint as company did nothing. 
# XXXX The company did nothing, and I am not allowed to speak with anyone who was involved in the operations department that handle this. This has been going on for almost a year. All I received on XX/XX/XXXX in response to my complaint was their email below. 

Customer Support XXXX XX/XX/XXXX, XXXX ( 6 days ago ) to me This ticket was created on your behalf. 

# XXXX To add additional comments, reply to this email. 

Good morning, Please be advised that the Trust appears to be a Qualified Revocable Trust and owner occupied. This is a permitted transfer and your request to transfer your loan to a trust has been approved. 

If you have any additional questions, please do not hesitate to contact Customer Service Monday through Friday, XXXXXXXX XXXX XXXX XXXX XXXX EST at our toll-free number, XXXX. 

Thank you, Planet Home Lending , LLC After receiving their email, I immediately emailed back stating that I must have proof that the loan is in the name of the family trust. They never even opened the email. Today XX/XX/XXXXXXXX XXXX XXXX XXXX I called and explained for the XXXX time what is needed. The CS rep had no idea and told me to email operations, I explained that no one would give me their email address. I spoke to a supervisor, and after XXXX minutes of back and forth, she told me that operations was not going to send me anything and that my loan is still in my name not in the name of the trust. As you see from the correspondence, they have no idea what they are doing. If I were to die today, my home would go into PROBATE! They need to comply now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I lost my job in XXXXXXXX XXXX XXXX I quickly applied for a forbearance and was approved the first week of XX/XX/XXXX XXXX According to online and a majority of loan officers Ive spoken too ( including at Carrington ), we should not have been marked late during this time. We were approved to make a payment in the amount of {$0.00} starting XX/XX/XXXX. I can provide mortgage statements showing we were current at the time. I was trying to be proactive for my kids so we wouldnt struggle. We ended up selling our home in XX/XX/XXXX and Carrington marked us late all that time. I now have a new job and am trying to buy another home for my family and this is preventing me because they wrongfully marked us 90 days late when we were just following instruction. Forbearance should protect people from being marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am filing a complaint against Self Financial ( Self Inc. ) for multiple violations related to inaccurate credit reporting, improper debt handling, and withholding of funds.

Self closed all of my accounts without notice, despite the fact that I had never missed a payment. After the accounts were closed, Self continued to apply interest, charge late fees, and report me as delinquent even though I had a {$1000.00} security deposit on file. They reported a charged-off balance of {$300.00} after the card was closed, without properly explaining how that balance was calculated.

I also completed two separate Self XXXX XXXX loans, both of which were supposed to result in a payout. One payout was allegedly sent via direct deposit in XX/XX/XXXX, and the other via check in XX/XX/XXXX. I never received either. I have contacted Self multiple times, and they failed to provide proof that the funds were delivered, cashed, or returned. I am owed approximately {$1300.00} in total. 

To make matters worse, they are reporting duplicate and contradictory tradelines. For example, my XXXX  credit report lists a third tradeline called SELF FINANCIAL / LEAD BA that says the account is Paid, Closed but also reports 30- and 60-day late payments just before closure. This contradicts Selfs own claims that the loans were paid and disbursed. 

I believe this reporting is : Inaccurate, Misleading, Duplicative In violation of the Fair Credit Reporting Act ( FCRA ) I have attempted to resolve these issues with Self directly, but they have failed to act or respond appropriately. I am requesting the following : Removal or correction of all inaccurate tradelines Deletion of duplicate or conflicting entries Proof of where and when my loan payouts were issued Correction of false late payment entries, including those made after account closure Please investigate this matter. I am attaching screenshots and correspondence for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$3600.00} Open Date XX/XX/scrub> XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-06-03 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-03 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-03 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.

Complaint narrative:
Details of the complaint are as under : 1. Name of the Complainant : XXXX XXXX XXXX 2. Full Address of the Complainant : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX 3. Mobile number & Email Id : XXXX, XXXX 4. XXXX XXXX  : XXXX 5. Complainant Against : XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX Branch office at XXXX XXXXXXXX, XXXX XXXXXXXX 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 6. Representation Letter To bank : XXXX through email 7. Subject Matter of the Complaint : This complaint is against the XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) Manager regarding the Fraud/Cheating to XXXXXXXX XXXX XXXX XXXXXXXX by using his XXXX Cards for taking loans to others keeping as a Guarantor. My Brother was stood as a Guarantor for taking a car loan vide XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to his friend namely XXXX. XXXX XXXX in the year XXXXXXXX XXXX XXXX XXXX and it was closed on XXXX and XXXX, XXXX also issued on XXXX from XXXX XXXX XXXX XXXX Contract/Account No. XXXX but this finance company has in turn a dealer ship with XXXX XXXX XXXX XXXX. Parallel to this another Vehicle loan was also taken with my details and on XXXX with the same XXXX XXXX XXXXXXXX XXXX Account XXXX. XXXX with a loan of XXXX and showing balance of XXXX to other person and after that, with the same XXXX cards given another vehicle loan to another person with the same XXXX XXXX XXXX with an Account No. XXXX for a loan of XXXX XXXXXXXX and this was opened on XXXX and both loan accounts are running and its showing in all my credit reports. They took these loans by doing forgery with my signature in XXXXXXXX XXXX XXXX cards to some other person. 

Actually I need a topup loan so I went to XXXXXXXX XXXX there they have searched for XXXX report in that this guarantor loans are showing with XXXX XXXX XXXX XXXX reports like XXXX XXXX he was denied saying that it does not belong to them. 

8. Nature of Relief sought from the Banking Ombudsman : I need Clearance/XXXX letter from the XXXX XXXX XXXX XXXXXXXX that I am not a Guarantor in any loan for any other person and also to be removed from my XXXX  reports XXXX 

9. Nature and extent of monetary loss, if any, claimed by the complainant by way of compensation : I kindly request the XXXX XXXX to terminate the license of the XXXX XXXX XXXX XXXX from the XXXX for doing these frauds and also to pay the compensation for the damage in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MI

Complaint narrative:
On XX/XX/year> I ordered a cellphone through XXXX mobile. I spoke to an agent and said on the recorded line that I did not want autopay because it causes problems. I was willing to accept the extra {$10.00} on my bill. He said ok and sent the XXXX papers via email. He tried to tell me to just go to a certain section and sign but I went to look through what it said. He had checked the box to agree to autopay or it was pre-checked. I unchecked the box and mentioned that I did not want autopay and signed it with the box unchecked and sent it back. Now when it came time to deliver the phone to me, it was never delivered because they had it where I had to sign but XXXX  XXXX or XXXX kept coming while I was at work and saying to pick it up at a locker. They attempted delivery a couple times. I ending up just calling and telling them to send it back to XXXX. I cancelled the order and sent it back and it was received back in the warehouse within 5 days. I spoke to a manager who let me know she would credit my account to cover anything that may popup while they were processing everything for the return. All of a sudden I start getting texts and emails saying I owe for the phone. I called XXXX different times and every manager I spoke to said they got the phone back and my service was cancelled and since I never used the phone or the service, there should not be any other issues. Now I have gotten emails and texts from a collection agency TrueAccord for a debt I do not owe and never should have become a debt because I did not use their services and phone was sent right back to XXXX within 5 days of the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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