vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$520.00} INQUIRY : XXXX XXXXXXXX XX/XX/year>

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I attempted to make an on-line sale to a person out of state using Zelle. The person paid half of the requested amount and demanded shipment of product. Stated they would pay the other half upon receipt. I did not agree to this prior to the payment being sent and refunded the half they had paid and canceled the sale. The person I refunded to claimed I was attempting to defraud them and that they did not receive their refund. As a result my entire bank account was frozen as well as my Zelle account. I called my bank ( XXXX ) and confirmed that this person did indeed receive the refund and provided a tracing number - XXXX to them. The person then said " oh yes, I see it now ''. XXXX  was able to allow access to my bank account but my Zelle account is still frozen and Zell is claiming that this is confirmed fraud on my part. The original transactions took place on XX/XX/year> and today is XXXX and I still can not seem to get this resolved with XXXX  XXXX  or Zelle. I have spent more than 5 hours on the phone and 7 separate phone calls with XXXX trying to resolve this. I have spent near an hour and 3 calls with Zelle. Zelle always says the problem is on XXXX 's side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I applied for a credit card with XXXX XXXX  on XX/XX/year>, the credit requirement for this card is XXXX, I checked my credit report with Transunion XXXX, Equifax XXXX and Experient XXXX before I applied for this card, when XXXX XXXX pulled my credit report with Experient they reported XXXX to XXXX, which is not what is on my credit report, I logged backed in to their website to rechecked my credit score it's at XXXX, it dropped XXXX point because of the enquiry but it's not XXXX they reported to XXXX. 

I contacted Experient customer service on XX/XX/year> to find out what happen but the rep on the phone can not help me or explain why the difference in the score. 

I want Experient to remove this enquire from my credit report because it's because of their mistake I was denied this card.

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 2025-05-09 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am reaching out to PORTFOLIO RECOV ASSOC to highlight my serious concern about certain details in my credit profile. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information reporting the fraudulent accounts : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance : {$590.00} ; PORTFOLIO RECOV ASSOC ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$2400.00} ; PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX. ) XXXX Date Opened : XX/XX/year> Balance : {$4500.00} ; PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-05-09 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: NJ

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 non-monetary relief
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After examining my credit record, I discovered late payment entries that I believe are incorrect. Despite sending validation request letters more than 30 days ago, I've received no response whatsoever, and no satisfactory validation has been provided to substantiate these alleged late payments. This ongoing silence is particularly concerning given how these negative entries continue to affect my credit standing.

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 2025-05-09 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: LA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. In response, I received an email from the credit bureau claiming that the disputes appeared to originate from a third party. This is incorrectthese disputes were submitted directly by me. I even called the bureau to confirm my identity and verify that I personally submitted the disputes, yet they still refused to process them. 

As a result, I wasted money mailing these disputes, along with personal information to verify my identity, only to have the bureau dismiss them without a thorough investigation. I find this process frustrating and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: 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 explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I set up a payment plan and the payments came out of my account so I paid it off and theyre wanting me to pay more than I needed it off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: IA

Complaint narrative:
I had to replace my old XXXX  in XXXX of XXXX. I purchased it through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa, whom this household has been a customer of for over 35 years. They recommended Service Finance Company , LLC of XXXX, MD to finance a loan for the costs of the XXXX They set up a monthly payment of {$270.00}, and maturity date of XX/XX/XXXX. My first billing statement arrived two days before the listed due date for that payment. I called Service Finance to complain about the lack of time to make the payment and was told to ignore it because they actually allow 15 days beyond the due date. That is not how it is done with reliable companies. My next monthly statement arrived the day after the due date. I called again and received the same uncommon response. I complained to the service company that installed the XXXX and made sure they were aware of this problem. They assured me that they would contact the finance company themselves. Since I was getting nowhere with the finance company, I made a copy of the most recent statement so that I could make sure the payments were being received by them in plenty of time to meet the due date listed on their statements. I would make sure that I was sending those payments in BEFORE the month in which they were due. I have also been making monthly payments of {$400.00} just to get done having to deal with these people sooner. By my calculations I am three months ahead in my payments. My last three payments have cleared my bank with almost two weeks to spare on the due date. I have received late payment notices on these checks. I just received written notice today that my XXXX payment ( due date XX/XX/XXXX ) was 18 days overdue. That payment cleared my bank on XX/XX/XXXX. I just checked on my XXXX payment and it cleared the bank on XX/XX/XXXX. I continue to receive late payment notices on checks that I have verified as clearing my bank in plenty of time to be processed by the finance company. I will be notifying the XXXX XXXX XXXX XXXX company that I have filed a complaint against the finance company for what I consider to be fraudulent billing practices.

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 monetary relief
Consumer complaint received 2025-05-09 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:
XXXXXXXX XXXX  Equifax Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$32000.00} {$32000.00} {$36000.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$36000.00} {$36000.00} {$36000.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Sales Financing XXXX XXXX  Miscellaneous Finance Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Unsecured Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment -- -- XX/XX/XXXX Term Length 90 Month ( s ) 90 Month ( s ) 90 Month ( s ) Past Due Amount {$36000.00} {$36000.00} {$0.00} Account Type Unsecured loan Unsecured loan Unsecured loan Payment Frequency Monthly ( every month ) Credit Limit {$0.00} {$0.00} {$0.00} Two year payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: WI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-05-09 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: DISCOVER BANK
State: OH

Complaint narrative:
Remove from report immediately or UPDATE to PAID IN FULL / {$0.00} PAST DUE / NEVER LATE Provide copy of the 1099-C, an itemized ledger showing all debits, credits, fees, interest, & payments justifying the {$4600.00} balance, & the full chain of title or assignment history to verify the legitimacy of the debt & your authority to collect & report under FDCPA and FCRA Law ( XXXX ) Status - Charge Off Closed - XX/XX/XXXX Past Due - XXXX XXXX Times Late - XXXX ( XXXX  ) Status - Unknown Closed - XX/XX/XXXX Past Due {$4600.00} Times Late - XXXX ( XXXX ) Status - Charge Off Closed - N/A Past Due {$4600.00} Times Late - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: IL

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 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i was looking at my bank statement in XXXX and noticed my credit rating went from excellent to poor. When i looked at the loans i noticed XXXX unsecured loans i never applied for and have been trying to have them removed since then. I have already reached out to the XXXX Fraud department and filed a complaint. I have submitted a XXXX Police Report ( incident XXXX ) Financial Identity Theft, Tracking number XXXX. The loan company is XXXX and I have already been in contact with them, the XXXX case ID is 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 2025-05-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX FINAL DEMAND IMMEDIATE DELETION OF UNVERIFIED CHARGE-OFF ACCOUNTS FCRA & UCC VIOLATIONS To Whom It May Concern, This letter serves as a final demand for the immediate deletion of the charge-off accounts listed below from my Experian credit report. These accounts are unverified, inaccurate, and illegally reported in direct violation of my rights under federal law. 

ACCOUNTS TO BE REMOVED : XXXX XXXX Acct # XXXX Charge-off {$2900.00} XXXXXXXX XXXX XXXXcct # XXXX Charge-off {$0.00} MXXXX XXXXcct # XXXX Charge-off {$1600.00} XXXXXXXX XXXX XXXXcct # XXXX Charge-off {$6800.00} XXXXXXXX XXXX  Acct # XXXX Charge-off {$25000.00} XXXXXXXX XXXX  Acct # XXXX Charge-off {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXX Charge-off {$18000.00} VIOLATIONS COMMITTED : FCRA 1681b Reporting without a valid permissible purpose FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i Failure to reinvestigate disputed accounts properly FCRA 609 ( a ) ( 1 ) Failure to provide original signed contracts or legal validation FCRA 611 ( a ) ( 5 ) ( B ) You may not reinsert any deleted items without certification and notification UCC 3-501 I demand the original wet-ink contract and full presentment of obligation UCC 1-308 I reserve all rights without prejudice These accounts are being reported without documentation, no original signed contracts XXXX and no evidence of assignment or authorization. If you can not verify these items lawfully, they must be removed. 

REQUIRED ACTION : You are hereby given 15 calendar days from receipt of this letter to : Permanently delete all charge-off accounts listed above Provide written verification including full contract copies and proof of assignment Confirm all deletions in writing FAILURE TO COMPLY WILL RESULT IN : Immediate complaints to the CFPB, FTC, and Florida Attorney General Civil litigation under FCRA 616 & 617 Full pursuit of statutory, punitive, and actual damages for negligence, defamation, and emotional distress This is your final warning. Comply with federal law or face legal consequences. 

Sincerely, 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 2025-05-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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