vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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:
Request for Immediate Action Due to Identity Theft and Data Breach To Whom It May Concern I am writing to formally notify you that I have been a victim of identity theft and a data breach. As a result, fraudulent accounts have been opened in my name without my authorization. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request that these accounts be blocked no later than 4 business days of the receipt of this complaint

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 2025-01-30 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: AL

Complaint narrative:
I would like Equifax to remove all wrong and incorrect information from my credit report. I have disputed this information before and no action was taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal is holding my {$400.00} despite clear evidence that the transaction was legitimate. I delivered the product, and the buyer acknowledged it in writing. PayPal refuses to release my money despite this proof, which is unfair and unlawful. I need my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
The account was satisfied. I did not received a 1099C. I paid this account so it is not a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
The account was satisfied. I did not received a 1099C. I paid this account so it is not a charge off

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 2025-01-30 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-30 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I filed a dispute on CREDIT COLLECTION SERVICES ACT # XXXX due to an inaccuracy of information and XXXX denied to follow up and throroughly investigate. I came across a recent article about the CFPB having a lawsuit pending against XXXX ; This which They allege the company of accepting unreliable information, failing to notify and give accurate and thoroughly investigated consumer dispute results. All of this aligns with my current problem i have with XXXX, as XXXX has not attempted to remove or thoroughly correct any of the information on my consumer report .I 'm requesting that this derogatory remark be removed as this is has been a major impact on my chances of getting a house, credit card, car, etc. XXXX has violated my rights as a consumer as well as federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Lvnv funding XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX account XXXX XX/XX/year> This is not my debt asking it to be remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MN

Complaint narrative:
I received a debt collection notice dated XX/XX/year> regarding aXXXX XXXX XXXX XXXX XXXX XXXX. I have never lived in Texas. I am a victim of Identity theft. THis debt is not mine. The company trying to collect is Procollect XXXX. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX The account number is : XXXX. 

XXXX have been sent a collections notice for an XXXX XXXX XXXX XXXX  The XXXX XXXX XXXX XXXX XXXX XXXX. This notice came from a company called Procollect. phone number XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. They don't even spell my name correct, there is no 'D ' in my last name. This letter is addressed to XXXX XXXX. I am a victim of identity theft. I have had my credit frozen for years, fraud alerts in place, a few people have been jailed already for stealing my identity. I have lived in Minnesota for the past XXXX plus years! I have filed a police report with the XXXX XXXX XXXX regarding this matter as I have gotten nowhere with the Consumer Protection Bureau. Clearly they are not investigating people properly.

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 2025-01-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I am XXXX XXXX. I was a Lexington Law purchaser from XXXX and XXXXXXXX 

I never received any compensation. I should have definitely been identified as the company did nothing to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
A representative from the one main financial office in XXXX left me a message on XX/XX/year>XXXX XXXX XXXX saying the following " yeah I want to let XXXX know his XXXX XXXX '' They are calling to try to collect payment on past due balance but this is a very illegal " tactic '' to use in order to get a customer to call back. The phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The dispute with experience only took a few days because again they refused to actually investigate what is going on instead what they did was instead of going through the history of the speaks that I have with experience, they tried to say that I didnt have any dispute in and they didnt know what I was talking about therefore, they were unable to fix anything. Theyre being lazy. Theyre not doing their jobs when you dispute things it stays on a record for a number of years if this company does not want to represent his customers properly they just need to altogether close their business, they are playing with peoples lives because something like credit nowadays is something that can make or break 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 2025-01-30 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 respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: TX

Complaint narrative:
I have received several notices from Asset Recovery Solutions , LLC attempting to collect a debt that is not mine due to Identity Theft from the XXXX XXXX XXXX XXXX XXXX I am not responsible for this debt and want these debt collections to stop immediately and removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CITIBANK, N.A.
State: IL

Complaint narrative:
CFPB XXXX XXXX Citibank for Unlawful Credit Reporting After Issuing a XXXX Complainant : XXXX XXXX Respondent : Citibank , N.A . 
Case Reference : CFPB Case # XXXX Summary of Violations Citibank has acknowledged that it issued Form XXXX for the tax year XXXX ( sent in XX/XX/XXXX ), confirming that the debt was legally canceled and reported to the IRS as income. Thus, have not received the physical XXXX to report as INCOME on my taxes. Despite this, Citibank continues to report the account as a delinquent charge-off on my credit report. This action is a direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS regulations regarding cancellation of debt. 

Violations & Legal Arguments 1. FCRA Violation Inaccurate Reporting After Debt Cancellation ( 15 U.S.C. 1681s-2 ( b ) ) Citibank is furnishing inaccurate and misleading information to the credit bureaus by continuing to report the account as an outstanding charge-off.

A 1099-C designates the debt as canceled income, meaning it can no longer be reported as a liability on my credit profile. 
Credit reporting agencies are required to maintain accurate information under 15 U.S.C. 1681e ( b ). By refusing to delete the tradeline, Citibank is contributing to defamation of credit and causing financial harm.

2. IRS Violation Fraudulent Debt Reporting After 1099-C Issuance Under IRS Publication 4681 & 26 U.S.C. 6050P, once a creditor issues a 1099-C, they have written off the debt and forfeited their right to collect or report it as outstanding. 
Reporting a canceled debt as due is considered a form of double taxation and fraud because the debtor is already required to claim it as income on their tax return. 
I have filed IRS Form XXXX to report this potential tax fraud. 

3. FDCPA Violation Unfair & Deceptive Practices ( 15 U.S.C. 1692e & 1692f ) By falsely reporting the account as due after it was canceled, Citibank is engaging in false, deceptive, and unfair practices.

FDCPA 1692e ( 8 ) prohibits creditors from misrepresenting the legal status of a debt.

FDCPA 1692f ( 1 ) states that it is unlawful to attempt to collect an amount not permitted by law.

4. Arbitration Clause & Breach of Contract Citibanks response references mandatory arbitration under their Cardholder Agreement.

By failing to initiate arbitration before litigation or collections, Citibank has waived their right to arbitration and violated their own contract terms. 
I demand immediate arbitration under the American Arbitration Association ( AAA ) and will be filing for damages related to unlawful credit reporting. 

Respectfully, 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 explanation
Consumer complaint received 2025-01-30 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I dont remember putting my information in for this account and if I did, according to the Fair Credit Reporting act FCRA section 605B It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this was actually an account that belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect mt true credit history. 

XXXX XXXX ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX  ACCOUNT # XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  ACCOUNT # 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect mt true credit history. 

XXXX XXXX ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX ACCOUNT # XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  ACCOUNT # 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 2025-01-30 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: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX ), Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX on XXXX, XXXX, XXXX under the account number ( XXXX ). XXXX accounts such as XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent 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 you were not opened, made, or initiated by me. 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IN

Complaint narrative:
To Whom it May Concern : I am submitting this complaint regarding Experians, Transunions, and XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. I am also a verified victim of the XXXX XXXX XXXX. Despite providing evidence to support my claims, XXXX, XXXX, and XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : 1.Discover Credit limit {$9700.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts XXXXXXXX XXXX  XXXX XXXX credit limit {$6100.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts XXXX. XXXX XXXX XXXX limit {$2500.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts XXXX. XXXX XXXX XXXX limit {$3300.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts I have submitted proof of mailing dispute that I sent directly to this creditor and uploaded that letter and credit bureau report discrepancies on their portals as proof that the information is either inaccurate or unverifiable. However, they have either failed to verify the information properly and has not given any response explaining their investigation process or have shown any correction to their errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial wellbeing, effecting my ability to ( get approved for credit, loans, housing, etc. ). 
I am requesting the following actions from XXXX, XXXX, and XXXX through the CFPB : 1. Conduct a proper and thorough investigation in the actions Ive disputed.

2. Provide me with a detailed explanation of the steps theyve taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately.

I am attaching all relevant documents, including dispute letters, and supporting evidence, to this complaint for your review. I submitted my online disputes XX/XX/year>. 
Thank you for your assistance in addressing this matter and ensuring that all bureaus comply with federal laws to protect consumers like me. 
Sincerely

Company response to consumer: Closed with explanation