vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  or XXXX has placed a collection account on my reports that is not correct and not mine. They can not verify that the account is mine and attempt to state that an IP address which is not valid with my ISP is the identifying confirmation which it is not. They have no other material to back up their claims. I have asked this to be removed, they stated that I needed to provide identity theft claims. I have reported this to the credit bureaus and they never responded. I have attached the documents requested and need this removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
XXXX XXXX  or XXXX has placed a collection account on my reports that is not correct and not mine. They can not verify that the account is mine and attempt to state that an IP address which is not valid with my ISP is the identifying confirmation which it is not. They have no other material to back up their claims. I have asked this to be removed, they stated that I needed to provide identity theft claims. I have reported this to the credit bureaus and they never responded. I have attached the documents requested and need this removed immediately.

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 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
hi my name is XXXX XXXX XXXX, i noticed multiple inaccuracies reporting on my credit file that does not belong to me! I would like immediate removal of these negative accounts because they do not belong to me.

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 2025-04-08 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: LA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my 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 2025-04-08 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Vermont Student Assistance Corporation
State: MA

Complaint narrative:
So, I've disputed an account on my XXXX credit report called Vermont Secondary ST LN XXXX several times with XXXX. This account is very old and is about XXXX and XXXX XXXX. It's already been XXXX so this account should be deleted from my credit report. I've requested that this account be deleted from my credit report several times and even called the XXXX Customer Service #.

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 2025-04-08 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: FL

Complaint narrative:
I was transferring money from Venmo ( {$250.00} on XX/XX/XXXX ) to my XXXX  XXXX XXXX account. They claim it takes XXXX business days, but until today the money has not arrived. Also, I made a transfer for the same amount on the XXXX, which came through in my bank on the XXXX. I filed a claim which they denied and an appeal which also was denied. In both cases I was able to provide my bank statement from the date of transfer to present day ( which shows no executed transfer ). I contacted my bank and they really cant do anything because they never got record or trace number for the transaction. I contacted XXXX XXXX XXXX ( a middle man for the the two entities involed ) but cant help because they can only deal with the said companies themselves. Venmo just wont acknowledge the incident, or claim they did any proper investigation with the trace number. So {$250.00} just vanished in thin air?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Reach Financial LLC
State: MN

Complaint narrative:
I had a consumer credit card debt of approximately {$20000.00}. I was having difficulty paying all the cards. I contacted XXXX XXXX XXXX. They negotiated the debts down to around {$13000.00}. Near the end of our professional relationship, XXXX offered to link me up with a financial institution which could offer me a loan and then they would pay off the complete debt. 

It was all conducted on the phone on XX/XX/year>. They said in the long run it would save me money to agree to the loan. And they reassured me that it would build my credit score back up. A good credit score is not worth {$20000.00}. I never saw any paperwork until today when I got an email of the agreement. The loan increased my debt from {$13000.00} to {$20000.00}. That's {$8100.00} in fees at XXXX XXXX. 

I would not have agreed to the loan if I had known these details. It completely wipes out the negotiated debt and puts me back where I started with a {$20000.00} debt. I simply would not have agreed to and can not afford to pay this. It feels as if they tricked me by not being forthright with the fees. 

I have instructed my bank to stop payment on the loan. I will default on it if necessary. 
I am XXXX XXXX XXXX. A good credit rating is not as important to me as having enough money to survive for the next few years. I have attached the documents they sent me. 

I had a conversation with a representative of Reach who was not helpful. He kept repeating his terms until I hung up. I have filed a complaint with my MN State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-08 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
Earlier today, I noticed that my credit report showed some accounts that dont belong to me, and I have no explanation for it. I check my credit regularly, and this is the first time Ive seen such discrepancies. I attempted to refresh the page, thinking it might be a display error, but nothing changed. Im asking for a thorough inspection of the documents Ive provided to prevent this from happening again.

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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
There were transactions on my card that I didn't approve last year around XXXX and XXXX. 
There was no number to call. So I waited until it wasn't pending to file a dispute and never heard anything from them and they still took the money off my card. 
I tried to track the payment down but the website that was charging my card was false. I have to keep my card locked all the time because I have been getting charged. I recently got a new card hoping that would stop some of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 2025-04-08 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 non-monetary relief
Consumer complaint received 2025-04-08 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: MO

Complaint narrative:
I am writing to request detailed verification of the negative items reported on my credit report. Specifically, I need to understand the methods used to verify this information. Please provide the following : 2. Documentation of how this account was verified, including all supporting methods.

4. Proof of the debt, including the original contracts with wet signatures.

6. An explanation of how the accuracy of this information was determined, particularly in light of any discrepancies. 
Under the Fair Credit Reporting Act ( FCRA ), inaccurate information should not be reported on my credit report without a proper investigation. If there is a discrepancy, this item must be removed. As the reported charge-off appears to be incorrect and claims I still owe the debt, I am requesting that this be corrected or deleted to comply with the FCRA. 
Please provide the requested information within the required timeframe to avoid legal action for any potential violations, including seeking statutory damages. 
Thank you for your prompt attention to this matter. 

The negative items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On Friday the XXXX of XXXX i deposited XXXX checks into my business bank account. XXXX check was cleared and the other XXXX were put on a 2 day hold. The next day I contacted the bank manager and was advised that the fraud department put a 10 day hold on the these checks for suspected fraud. After being told this I contacted the bank back and gave them proof of the checks clearing the issuers bank account as well a letter from the issuer proving the checks were not fraudulent. This isnt the first time this bank has put these kind of unnecessary holds on business checks deposited into this account.

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 2025-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I asked to have the paper fee removed, but they refused. why should I pay a paper fee for them sending a bill so I can pay. Thats crazy

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MI

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 non-monetary relief
Consumer complaint received 2025-04-08 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: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
My wife and I are divorced. She kept the house at listed at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I moved out and to another residence. Ever since I have been receiving the monthly statements at my address for the address listed at XXXX XXXX XXXX. We have contacted the company numerous times just to get a different excuse every time. One time the company told me that the USPS was opening the mail, re-printing the mortgage statement, re-sealing it and sending it to me. This time they stated that they have the right mailing address listed as XXXX XXXX XXXX. but when they print it they get a notification for the statement to be forwarded to my address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The company stated that they can not change this because the notification is from USPS. I contacted USPS and they advised me that they have no forwarding instructions at this time, they do not change addresses for where mail is to be delivered and that they are just the courier delivering the mail from which the sender addressed it to. I would like this issue addressed and my address of XXXX XXXX XXXX be removed from their system. My ex-wife stated that she has requested this as well and the company can not seem to comprehend that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MA

Complaint narrative:
There is an account on my credit report called " XXXX XXXXXXXX XXXX XXXX XXXX ''. I'm now filing a complaint again because account is also over XXXX old and should be deleted from my credit report. This is account is also XXXX and XXXX old in accordance to my Equifax credit report. My Consumer Protection rights are being violated by Equifax because it has already been over XXXX since this account was generated o my credit report. This account is closed but should be deleted because the length of time and age of account is over XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I had a XXXX XXXX account opened in XXXX. I requested to close this account in XXXX. I made attempts to have this removed from my credit At time of closure with no action from XXXX. This account was closed but continued to report until XXXX. I believe this company went bankrupt in XXXX. This appeared as a closed account on my credit until XXXX where it was pulled from my Equifax report, causing a XXXX point credit score decrease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2025-04-08 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: MO

Complaint narrative:
Seeing multiple inquiries from your company on my credit report has been frustrating and confusing, especially since I never applied for anything with 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 non-monetary relief