vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-05-11 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 am writing to complain of an ongoing issue regarding two fraudulent accounts on my credit report : Account balance {$3300.00} ) and Account balance {$6800.00} ). These accounts are fraudulently reported as collection debtsI have no knowledge of them, never resided at the listed properties, and did not agree to these obligations, indicating potential identity theft or misattribution.

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 2025-05-11 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: MOHELA
State: PA

Complaint narrative:
XX/XX/XXXX : cherry technologies Incorrect information. Never opened up an account with this company. 
XX/XX/XXXX : XXXXXXXX XXXX CLOSED ACCOUNT AFTER HAVINGTHIS CARD OPENED SINCE XXXX .. NEVER MISSED ANY PAYMENTS! XXXX REPORTED THAT A PAYMENT WAS MISSED IN XX/XX/XXXX WHICH WAS INACCURATE! DUE TO THAT, IT DROPPED MY SCROED TREMENDOUSLY!!! INACCURATE INFORMATION XX/XX/XXXX : cherry technologies never opened up an account. This was another dispute after approximately one month from the previous dispute. The retailer, XXXX XXXX, LOCATED AT XXXX XXXX XXXX XXXX ADVERTISED THIS AS A NO CREDIT CHECK INQUIRY. NO CREDIT CHECKS WERE AUTHORIZED. THERE IS PROOD ON THE COMPANY 'S WEBSITE XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Never received debt validation from XXXX XXXX, XXXX XXXX, LVNV, or XXXX XXXX 

They do not own the debt and ha

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
I am filing this complaint against TransUnion for failing to allow me to dispute an inaccurate and unverified collection account via XXXX XXXX and for continuing to report false derogatory information in violation of the Fair Credit Reporting Act ( FCRA ). 

The item in question is a {$2400.00} collection entry from XXXX XXXX XXXX ( Fountainbleu Apartments ), placed with National Account Systems of XXXX. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists. 

When I attempted to dispute the entry through XXXX XXXX TransUnion portal, the platform failed to submit or recognize my dispute, preventing me from exercising my legal rights under : 15 U.S.C. 1681i ( a ) Right to dispute and reinvestigation 15 U.S.C. 1681e ( b ) Duty to ensure maximum accuracy 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failure to report disputed status FCRA 605B Illegal reporting of derogatory data without consent 15 U.S.C. 1681h ( a ) ( 1 ) ( B ) ( ii ) Right to consumer-initiated dispute Because TransUnion failed XXXX provide a functional or accessible method to submit my dispute, I have been denied due process under the law and left with an unresolved and harmful false collection on my report. This blocked access has obstructed housing, financing, and professional opportunities and constitutes reckless disregard for compliance obligations.

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 2025-05-11 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:
Im sending this letter to dispute wrong and unauthorized information on my credit file. My info was shared without my permission, violating FCRA rules under 15 U.S. Code 1681b ( 2 ), and there are accounts listed that Ive never used. This might be identity theft under 15 U.S. Code 1681c-2. Im asking for these mistakes to be corrected quickly.

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 2025-05-11 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
At first i was disputing, some accounts errors, that i will show below as proof, like open dates a last reported dates wrong between the credit bureaus. By law im able to dispute this and it must be fixed. All they did was, was confirm with the lenders and update information. Which by law of some info is wrong i must be deleted.

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 2025-05-11 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: DC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX, I tempted to invested XXXX. 
From XX/XX/XXXX to XXXX, I transferred XXXX  times total around XXXXXXXX XXXX to the platform of XXXX, most resent XXXX is XXXX XXXX, I wire transferred XXXX to XXXX through XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, I wire transferred {$25000.00} to worldcoin-pro.com through XXXX XXXX XXXX. 
XXXX XXXX, I wire transferred $ XXXX to XXXX through XXXX Bank. 

At XXXX, my XXXX account reach to XXXX, I tried to withdraw cash from my XXXX account at XXXX, but the customer services told me that I have to invest 10 % of my current XXXX value in order to verify my bank information, that means I have to transfer XXXX again, if I do not do so within 15days they will frozen my account. I tried to contact customer services but no solution. They frozen my XXXX account at at early XXXX. 
XXXX, I reported fraud to my bank Wellsfargo Bank, the case XXXX is XXXX. 
At XX/XX/XXXX I received {$190000.00} which is from XXXXXXXX XXXX, but I still lost about {$200000.00} I contacted to Wellsfargo bank, XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX for help, and get my money back, but no solution.

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 2025-05-11 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-11 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: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-05-11 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: TN

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates 15 U.S. Code 1681b ( 2 ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in 15 U.S. Code 1681c-2. I am asking for a full investigation and correction of these mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: NY

Complaint narrative:
I purchased an item on XX/XX/year>, through XXXX and paid using PayPal. When it arrived, the shipping box was visibly damaged, and I strongly suspected that key components of the product were missing. I immediately contacted the seller and requested a return under their clearly stated Free Returns policy. However, the seller refused to issue a prepaid return label and instead told me to pay for return shipping. 

After failing to resolve the issue with XXXX customer service, I opened a dispute through PayPal and submitted all relevant documentation : photos of the damaged packaging, screenshots of the sellers Free Returns policy, and my chat with the seller. Despite this, PayPal ruled in favor of the seller. I appealed and contacted customer service twice, but PayPal closed the case again without addressing the sellers return obligation or my evidence. 

I believe PayPal failed to follow its Buyer Protection policies, did not evaluate the evidence fairly, and unjustly closed the case. I am requesting a full refund or a reopened investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: NC

Complaint narrative:
A collection on my credit report is being reported as an Open Account which is not allowed under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: NY

Complaint narrative:
I have tried by telephone and mail on multiple occasions to receive a copy of my Lexis Nexis report. They customarily take 15 days + to respond and each time is a refusal to generate or furnish a copy of my report. I have been asked several times to send in the same information ( proof of address ). I have sent a copy of my lease as well as my XXXX XXXX bill. Each time was met with a further refusal to produce my credit report. This has been going on for the past two months. I refuse to continue to send personal information and continually being met with an outright refusal to comply with my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Mercury Financial Intermediate LLC
State: TX

Complaint narrative:
In XX/XX/2023, I recieved a cash advance of XXXX. I have been charged interest of XXXX per month for the advancement alone and have paid over XXXX in monthly recurring interest for the cash advance. This is in addition an extra 30 % interest on charged items. Currently, interest payments are significantly impacting my payments for the amount of 80 % of the amout being payed. As it stands, the total repayment could exceed {$6000.00} for an {$1800.00} balance. I believe the current terms make impossible for me to effectively pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-05-11 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-05-11 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-05-11 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Id like to report a new issue in addition to my last complaint to which Selene lied and mislead you. I contacted you because they might mistakenly make a negative report. Well HERE WE ARE because they did just that over the weekend and destroyed my credit again. 

I had submitted my loan modification application ( as they stated it was due by XX/XX/XXXX in their response to my previous complaint ) on XX/XX/XXXX at XXXX XXXX. I called on XXXX  to check the status and it was terminated for being late. No one even told me. She said it didnt matter when I sent it but when they received it. I have no idea what planet they live on that that make any sense whatsoever. Again, knowing how negligent they are, I pleaded with her to talk to a XXXX, my rep or the GC office as Im an attorney and wanted to make sure they dont destroy my credit again by mistake. She told me to just apply again and itll be no problem. 

Then Saturday, the very next day, they destroyed my credit and reported me XXXX  days late despite my report to you. Despite my pleas to not report it because there was an error on their part. Despite their assurances and written document stating that dont report negative reports during this time. Despite the fact that I submitted my application on time and it should not have been terminated and I had even told them that. 

This is intentional so they can foreclose on my home and Retailation for asking for documentation and making this report- both within my legal rights. 

This is illegal and I reached out to you to protect me from this very thing.

Company response to consumer: Closed with explanation