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: EQUIFAX, INC.
State: GA

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

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

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: TX

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 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: TX

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 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
The bank holding my mortgage sold to Mr. Cooper in XXXX. I received notice and set up the appropriate bill pay with my checking account at XXXX  XXXX. I made my first payment on XX/XX/XXXX for {$2300.00} and then another payment on XX/XX/XXXX of {$2300.00} before discovering that I had input the wrong account number and the payments had not been applied. I reached out to Mr. Cooper on XX/XX/XXXX and opened a case. The case was closed without them notifying me. I found out when I followed up via chat on their website. I could not find a phone number on their website to call in. I initiated several chats in XXXX and XXXX trying to resolve this. I sent bank statements, payment verifications from XXXX  XXXX, including trace numbers, and a notarized affidavit from XXXX  XXXX stating that the payments had been made and received by Mr. Cooper. Mr. Cooper has requested that XXXX XXXX report the payment as lost, but XXXX XXXX says they can not as they show the payment as received. I have submitted XXXX subsequent payments to Mr. Cooper with the correct account number ( all other banking information remained the same ) and all payments have gone through and been applied correctly. My last correspondence with Mr. Cooper has not been responded too, where I stated that XXXX  XXXX would not report the payment as lost. It has affected my escrow for XXXX, thereby increasing my payments for XXXX. It also impacts my XXXX statement from Mr. Cooper for tax purposes. I also would like my payments applied on the dates they submitted to Mr. Cooper.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
XXXX $ was sent to me via PayPal on XX/XX/XXXX and PayPal is refusing to to put it in my account. They have no reason or right to withhold my money from me. It's money I earned and paypal just wants to spout the same rehearsed line and pass the buck. They just keeps saying that I need to check with the person that sent it or My information was not correct. I have seen personally, where the money was sent to and everything is correct. When I try to speak to a manager or someone above the customer service rep they end the chat or call.It should have gone directly into my PayPal yet they will not give me my money nor will they tell me why they are withholding it. Mean time I am stranded without gas or food due to this.ite obvious because I am just one person they these big companies don't care and like to push people like me around and I'm tired of it. Just because I have to use your service, I didn't have an option to get paid. This was the only way and now it's going to be dangled just out of reach. I'll try telling my XXXX XXXX  children that I have to check with whoever sent it. Maybe that will quill their growling tummies. Thanks PayPal. XXXX. I would not recommend them to anyone and the fact the person paying me wouldn't do it any other way makes me think their is something even bigger and sketchier going on here. I hope something will be done. I'm so tired of being pushed around by these companies. I'm just trying to survive I really don't need some one messing with my little bit of money for some sick enjoyment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Hello, Ok XX/XX/XXXX I contacted Continental Finance regarding two credit cards I needed to enroll into a financial hardship program and I wanted to close both accounts ( a XXXX XXXX and a XXXX  card ). I spoke to an " XXXX XXXX '' regarding this process. She supposedly enrolled me, told me all fees would cease except a 5 % APR rate as long as I made the first two fixed payments by XX/XX/XXXX. One for the {$110.00} and the other was for {$110.00} until the cards were paid off. I agreed. I made the first payments on both accounts on XX/XX/XXXX. Then I checked my next billing statement and I saw fees were still accruing ( late fees, monthly maintenance fees, and the high APR ). Nothing was adjusted and the accounts looked to remain open. So I thought maybe it takes another billing cycle. So I may the next payments on XX/XX/XXXX. Checked back XXXX statements and the same ( nothing had changed and all fees still accruing ). I called back on XX/XX/XXXX and spoke with XXXX again, she then said I had to make 3 total payments to be considered enrolled in their program. This was NOT what was disclosed on the first phone call. I was the. Upset because now the balances had increased almost 10 % on what was originally owed. She assured me that after I make the XXXX payment, the XXXX statement would reflect the changes and all the fees would be credited. Well I paid XX/XX/XXXX both accounts, and guess what. Nothing has changed. I called back on XX/XX/XXXX and got a " XXXX XXXX '' which I'm sure is the same lady from the first two calls. And she said she made a report and to call back or I would get a notice within 72 hours on XX/XX/XXXX. With their results of the reports with my options. All of a sudden I am getting settlement emails asking my to pay half my balance and all with be forgiven! What happened to the financial hardship plan I enrolled in on XX/XX/XXXX?! This company is not honoring their programs and using predatory practices to scam people out of what little money they have when they are trying to settle the debts before it goes to collections.

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: Experian Information Solutions 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 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 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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I am writing in reference to the collection account from Source Receivables Management. I was recently made aware of this account, but I would like to state that I was never properly informed about this debt prior to it being sent to collections.

I have not received any prior notifications or statements from the original creditor or Source Receivables Management regarding this outstanding debt. Additionally, I have not been provided with any validation of this debt as required by law. Without such validation, I am disputing the validity of this debt.

I am requesting that Source Receivables Management provide me with the necessary documentation to validate the debt, including any supporting evidence that confirms I am the responsible party and that the amount being claimed is accurate. Until this information is provided, I dispute this debt and request that any collection actions be halted.

Please let me know the next steps for obtaining the required validation and resolving this matter.

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I entered an amount to transfer from via the Bill Pay system on my USAA checking account. I have a list of saved payees in the Bill Pay system. Prior to XXXX XX/XX/XXXX, I entered a payment of {$750.00} to pay a XXXX Credit Card on XXXX XX/XX/XXXX. Accidently, I used an older payee that was my ex-wife 's account at XXXX Credit Card. The payment went to a XXXX Credit Card ending in XXXX ( I do have the full account number ). On XXXX XX/XX/XXXX, I noticed the error and contacted XXXX. XXXX informed me they can not speak to me about the transaction as I was not the owner of the account and that I would need to contact my bank USAA. I then contacted USAA on XXXX XX/XX/XXXX and filed an investigation. They provided me with a case number XXXX. They replied on XXXX XX/XX/XXXX that no error occurred.

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 — Public record information inaccurate
Company: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
Advanced Resolution Services , Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my consumer credit report, as provided by your agency. In accordance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], I request a thorough investigation into the following accounts to ensure the accuracy and completeness of the data reported about me. 

Disputed Accounts 1. XXXX XXXX XXXX  Credit Reporting Agencies Involved : XXXX, XXXX, XXXX Account Number : XXXX Issue : The account is reported with a Collection or Charge-Off status and contains inaccurate information regarding my payment history and balance owed. 
Request : I demand a full verification of this account. If the reported information can not be verified, it must be corrected or removed from my credit report as required by [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ]. 
2. XXXX XXXX XXXX Credit Reporting Agencies Involved : XXXX, XXXX, XXXX Account Number : XXXX Issue : The account is reported as Foreclosure or Repossession, but the status is inconsistent across agencies ( listed as Closed on XXXX and Open on XXXX ). 
Request : I request a reinvestigation of this accounts status and correction of any inaccuracies. Additionally, any unverified derogatory remarks should be deleted as mandated by the FCRA. 
Legal Basis for Dispute Under [ 15 U.S.C. 1681i ], consumer reporting agencies are obligated to investigate disputed information within XXXX days and provide a response with supporting documentation if the disputed information is verified. Failure to correct or remove inaccurate, incomplete, or unverifiable information constitutes a violation of federal law. 

Additionally, per [ 15 U.S.C. 1681s-2 ], furnishers of information must ensure that all credit reporting data is accurate. If the disputed accounts can not be verified with documentation from the original creditors, they must be removed from my credit file. 

Requested Action I request that Advanced Resolution Services : Conduct a full reinvestigation of the disputed accounts. 
Provide me with written verification, including documentation supporting the accuracy of these accounts. 
Correct or delete any inaccurate or unverified information from my credit report. 
Please send a written response confirming the resolution of this dispute to my mailing address above. I expect a response within the legally mandated XXXX period. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of these inaccuracies. Attached is 3 forms of identifications Sincerely, XXXX XXXX XXXX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
On XXXX, a letter was sent to the creditor and the credit reporting agencys to validate the date. No one ever responded

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

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 XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: OH

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 XXXX 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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am a victim of identity theft as my personal records were hacked in XXXX and was enrolled in Identity works with XXXX. 
On XX/XX/XXXX, now Im a victim of Fraud. Sequium Assets Solutions # XXXX has reported me owing a fraudulent cable bill from XXXX XXXX  in the amount of $ XXXX. 
I have never subscribed to XXXX XXXX or Sequium Assests Solutions or have never received collection notices from either Assets Solutions. I have been a verified customer of XXXX XXXX XXXX XXXX XXXX- internet, cable, & cell phone, for 25 years. 
Im requesting the above fraudulent collection be deleted & blocked from my credit profile including all three reporting agencies : XXXX, XXXX, XXXX with a restoration of my prior XXXXredit score of XXXX which this Fraud has been reduced my credit by XXXX points to currently XXXX. My identity was stolen & fraudulent reports on all three of my credit reports.

Company response to consumer: Closed with non-monetary relief